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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Reviews from Web
So helpful and educational, they do great work and have been my go-to for understanding home buying. Thank you Team Fruci!
Reply from Owner
January 9th, 2026 10:24 AM
Thanks Drew! We try to make the home buying process as easy as possible. We appreciate your review.
Our experience was excellent. When we didn’t understand a thing you would go into depth on what it is and how it can apply our lives in getting a home.
Reply from Mark & Kay Fruci
August 23rd, 2023 08:43 PM
Supporting our military community is one of our great pleasures. Thanks for the review. Working with you and Amber was a pleasure!
Mark and Kay are amazing! They help you understand what all the options are instead of giving empty promises and watching a deal blow up at the last minute. I highly recommend them to anyone who has had issues with subpar mortgage companies....
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Reply from Owner
January 9th, 2026 10:24 AM
Thanks for the review Rob. We appreciate you taking the time to say such nice things.
Team Fruci is the best! A true dynamic duo, we appreciate you!
Reply from Owner
January 9th, 2026 10:24 AM
Thank you Charles!
Mark and Kay are two of the most amazing and knowledgeable people I know. Serving the community and our veterans both personally and through their business.
Reply from Owner
January 9th, 2026 10:24 AM
We do love serving our community. It is so rewarding. Thank you for taking the time to leave us a review. We appreciate you.
Mark and Kay were very informative on all subjects and contracts. The personal videos for education on how all loans worked was a huge bonus on making us confident upon signing any documents. We couldn’t recommend them enough!
Reply from Mark & Kay Fruci
May 23rd, 2023 12:41 AM
Steve, thank you so much for taking the time to leave us an amazing review. We loved working with you and Hannah and helping you purchase your first home. We hope to work with you again in the future as you build your real estate empire :)....
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I was told my VA mortgage would not be sold, but it was sold to another provider within days of closing being completed. Not happy about that.
Mark & Kay instantly felt like dear old friends. They took time to really explain different processes to us and were readily available to answer questions as they would come up. They are warm and kind and excellent at what they do! We hit the...
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Reply from Mark & Kay Fruci
May 10th, 2023 06:37 PM
Thank you Emily! It was great helping you guys buy your first home! We wish you all the best.
You guys are AMAZING!!! It was so convenient to be able to text you anytime with questions. We so appreciate how promptly you replied every time. Your guidance and help during our first home purchase was comforting and everything we needed...
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Reply from Mark & Kay Fruci
May 10th, 2023 06:40 PM
Thank you Nathan. We loved working with you and Emily and helping you purchase your first home!
They were always available to answer my questions about paperwork and are really nice people; they tried to get me the best deal possible. I liked that if I was talking to Mark and he did not know the answer, he would get Kay on the phone and...
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Reply from Mark & Kay Fruci
May 10th, 2023 06:41 PM
Thank you Juan! We loved working with you and Gloria. You are right, our team approach seems to work well. Hopefully one of us knows the answers to questions, lol.
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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