Melissa Ruminski

Loan Officer
NMLS # 1081914
State Lic CA #CA-DBO1081914
Welcome!

I’m Melissa Ruminski, a top-producing Loan Officer for Academy Mortgage with over a decade of experience in the mortgage banking industry. I have proudly helped many clients achieve financial success with their home financing needs and continue to provide exceptional service to all for an efficient, quick and smooth process from beginning to end.

My previous educational background with a bachelor’s degree in Business Finance, as well as my continual desire for education in finance and real estate, has proven to be an invaluable asset to my clients as we work towards their financial goals. With my professional background and Academy’s broad array of mortgage solutions to choose from, I make every effort to find the best loan program and pricing for your situation.

Our Branch Office is located in Los Gatos and our company is fully equipped to manage and complete the entire loan process in-house—including, processing, underwriting, closings, and funding. As a result, we have a maintain a track record of closing loans as quickly and efficiently as possible. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

When I am not spending time with family or out hiking with my dogs, my interests include reading, cooking, and volunteering with local organizations to give back to our community.

Home Mortgage Tools

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How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.

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How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.

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How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.

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How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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Melissa and the team at Academy mortgage were excellent. Completely thorough and willing to go the extra mile to get things done efficiently. The whole process was seamless and we appreciated all the hard work on this loan

—Jeannie Anderson

Melissa Ruminski was very professional and did a fantastic job for me and my family.

—Daniel George Collen