Ruth Mitchell knows the mortgage business from every angle, and works tirelessly to ensure that her clients are able to make informed decisions with confidence. She emphasizes clear and regular communication with homebuyers so they’re never surprised or unclear about expectations. This typically involves a thorough, up-front assessment that sets realistic objectives and timelines based on each unique situation. Over the course of her 20+ years as a loan officer, she’s helped clients navigate every kind of borrowing scenario through wildly different market conditions. Utilizing a hands-on style and superior attention to detail, she is proactive in solving problems before they arise. Ruth primarily works with borrowers in Sacramento and the East Bay area, and is equally adept at guiding both purchase and refinance transactions to on-time closings. A native New Englander, Ruth moved to Sacramento in 1990 and has lived there ever since. When not working hard for her clients, she enjoys gardening, rafting, dancing, reading, and hiking.