The Kay Fruci Team - Powered by RWM Home Loan...
Branch Manager
Hi, I’m Kay Fruci, and I’m here to make the homebuying process easy. I work with buyers at every stage — first homes, next homes, and refinances. Whether you’re buying your first home, moving into something new, or refinancing to improve yo... Show More
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The open line of communication. Whenever something changed I was alerted immediately.
Mark is extremely knowledgeable and very helpful in navigating the world of mortgages. I would highly encourage anyone to reach out to Mark and Kay for their home loan needs!
Reply from Owner
January 9th, 2026 10:24 AM
"Thank you for your glowing review! We're delighted to hear that Mark's expertise and guidance were valuable to you in navigating the complexities of mortgages. We appreciate your recommendation and are always here to assist with any home loan...
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Mark is brilliant and integrous. I’m proud to say you can trust him not just on a professional level but a personal one too!
I felt like Mark and Kay were really in my corner and I could tell that they genuinely cared about my home buying experience. I had many questions and they were always happy to answer them or explain things to me. They didn’t pressure me into...
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Reply from Mark & Kay Fruci
March 26th, 2024 09:25 PM
We're absolutely thrilled to hear about your positive experience, Levi! It was our pleasure to assist you throughout your home buying journey. We believe in empowering our clients with information and options, never pressuring them. We're glad...
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I felt like Mark and Kay were really in my corner, and sure it was business, but they genuinely cared about my home buying experience. I had many questions and they were always happy to answer them or explain things to me. They didn’t pressure...
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We used RWM homeloan team Fruci for our house 2 years ago. They were available when needed and helpful when explaining things we weren't familiar with. They still check back in with us from time to time to ensure we are having no issues. If...
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Mark and Kay really take the time to explain the process and expand on details we as clients needed more in depth detail on. They are fantastic at what they do. I love working with them for all my purchases and refinances and recommend them...
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P*** poor communication and never kept your word. I won't be referring anyone to you.
Two homes fell through due to the seller pulling back the sale. Before they fell through, Mark, Kay and Staff (Team Fruci) coordinated funding/payments/dates including the third home that did not fall through. They were very upbeat and found...
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Extremely happy with the professionalism, transparency, and speed at which RWM's Mark & Kay Fruci brought to the table. They were a joy to work with and I'd highly recommend them to anyone.
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About
Hi, I’m Kay Fruci, and I’m here to make the homebuying process easy. I work with buyers at every stage — first homes, next homes, and refinances. Whether you’re buying your first home, moving into something new, or refinancing to improve your situation, I’m here to help.
As a true mortgage nerd, running numbers and comparing loan scenarios is my passion—I break down options, explain real-life impact, and guide you toward the best fit for your goals and budget. VA loans are a specialty, and working with them daily means I know the details and how to leverage your benefits for maximum advantage.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Conventional Loan
FHA Loan
VA Loan
First Time Home Buyers
USDA Loan
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Mountain Standard Time (MST)
Licenses
- NMLS 1864837 & 1064528
Disclaimer
Not all products are available in all states for all amounts. All mortgage applications are subject to underwriting guidelines and approval. This is not an offer of credit or a commitment to lend.
Equal Housing Lender.
Residential Wholesale Mortgage, Inc. dba RWM Home Loans is licensed by the CA Bureau of Real Estate #01174642 and the CA Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS #79445