Our family had a wonderful and easy experience purchasing our home through Community Mortgage. It was a long distance, sight unseen situation as well. The communication and paperwork was streamlined and always friendly. We are grateful. Thank you!

Fast. Efficient. Professional! Couldn’t ask for better service!

I'm very pleased with the service I received from Kevin Ruby and his team (Loni and Pam) They were personable and professional and responded quickly to any questions or concerns I had. Thanks for helping to make this dream a reality!

Kevin and his team were amazing to work with. On the financial side, this has been the most �painless� financing experience I've ever been through.

Thank you Kevin for your help and professionalism!!

My VA approve and Loan was handle quickly and everything went smoothly. I highly recommend Community Mortgage. Thank you all for the great job you done.

Kevin and Pamela were so helpful throughout the entire home buying process. They were both very responsive when I need assistance and I would recommend them to anyone in need of a great mortgage team. Thanks!

Kevin Ruby went above and beyond to get my house closing on time. He is one of the main reasons we were able to get our house. Every real estate agent in the Memphis area knows Kevin and knows how trustworthy he is. Thank you for all of your hard work!!

This was my first time purchasing a home, and was definitely a little nervous. Kevin Ruby and his assistant Pam Frazier, we’re absolutely wonderful! Walked me through every step, and explained everything so well!
Made this an exciting time for me!!!

The experience was very good. All questions were answered timely and the process flowed smoothly.

Amazing service and communication! I always recommend Kevin Ruby to anyone that asks who we used. Could not be happier with how easy the process was every step of the way!

I cannot say enough amazing things about Kevin Ruby and his phenomenal team at Community Mortgage. As a first-time homebuyer, I was naturally anxious and unfamiliar with what to expect but from start to finish, Kevin made the entire process seamless, informative and truly empowering.

Kevin personally guided me every step of the way, answering every question with patience and clarity and ensuring I felt confident and secure at each stage. His professionalism is unmatched and his calm, reassuring demeanor helped me stay focused and excited about this life-changing journey.

A huge shoutout to his incredible team—Loni, Pamela and everyone behind the scenes—your communication was top-notch. I never once felt in the dark. I received timely updates, clear explanations, and ongoing support that made me feel like I was their only client.

I’m especially grateful to my amazing mother and real estate agent, Renee Smith, for making sure I was in the best hands possible. Thanks to her and the outstanding Community Mortgage team, this experience was nothing short of perfect.

If you’re looking for a mortgage team that combines expertise, integrity, and genuine care—look no further than Kevin Ruby and Community Mortgage. This team truly made my dream of homeownership a beautiful reality!

Kevin Ruby and his team was very helpful throughout the purchasing process. I actually depended on Kevin and his team more than I did my real estate agent. I appreciated the timely responses as well as step by step process until closer. Building a home during a pandemic gave me anxiety and had me thinking I made the wrong decision. Mr. Ruby talked me through it and for that I'm grateful.

Kevin was great. He help all the way through from start to finish. Coming from New York Kevin gave us a warm Tennessee welcome and made Tennessee feel like home right away.

Thanks for all your help and we will tell all the new friends we make down here about Community Mortgage.

The Ruby team helped me with the process and made me see where I was with my credit score and helped me to bring it up. They also have a great professional work ethic and and great experience to help out the clients

Community Mortgage has an awesome team, a team that desires and aggressively wants to help people. My home buying experience was excellent. I was updated on the progress of my home buying status every step of the way. The way Community Mortgage communicated with me via text message, email, or phone call was exceptional. I would recommend Community Mortgage to anyone I know that wants to obtain a home.

Kevin and his team made this a very good experience. From beginning to end they kept me in the loop and the communication was phenomenal. I would highly recommend them.

Kevin and the Community Mortgage team did an outstanding job. I would recommend them to anyone that is trying to get a home. Kevin was very patient,helpful and showed compassion. Any question I had about qualification of getting a mortgage and questions about my mortgage payments , etc he answered. Regardless the time of the day when I called he answered the phone and explain the answer thoroughly .They made sure sure everything went smoothly and made sure we got qualified to get a mortgage loan.
Thanks Kevin and The Community Mortgage team

Community Mortgage made getting a home loan a great experience. Everyone was so kind and helpful. Every question I had was dealt with in a timely and caring manner. Thanks!

Community Mortgage is and was one of the best mortgage companies i have ever dealt with. From the first phone call until signing the last paper, the team at Community Mortgage was a pleasure to work with. They always kept us informed, up to date, and on track through the whole process of buying our new home. The team with Community was always professional and on top of their job. They are a very good mortgage company and i would highly recommend them to anyone buying a new home.

Thanks,

Great service very helpful and always willing to answer the phone.Thank You so much Mr. Kevin Ruby I really appreciate it

Great team of real estate professionals! Well done Kevin, Loni, Pamela & Scott.

AWESOME experience.

My wife and I signed the initial contract 10/8/18 and stated we would like to close as soon as possible. Kevin, Gabe, and their staff worked consistently, kept us current of the status, and we were able to close 10/31/18.
We love our new home and appreciate their team.

Excellent customer care and service!

Kevin and his Team were the Best! Anytime I emailed Kevin he would respond and provide me with a clear answer. Although going through the home-buying process was not my first Rodeo, however, this was my best Rodeo! I will definitely call Kevin and his team on my next home(vacation) and refer Community Mortgage to Friends and Family.

Thanks for making this an AWESOME experience!!! Excellent communication from the beginning to the end from everyone involved.

Everything was done professionally and we are enjoying our new home thanks to you all

Outstanding support and true family experience.

Your team were awesome! We are extremly pleased with your service.

Mr. Kevin Ruby and his team worked with my wife and I in purchasing our new home. They were all very professional and courteous in their dealings with us. Everything we needed for our closing was in the signing package filled out and ready for our signatures. Thanks to Mr. Kevin and his team, we were given money back at the closing instead of having to pay more. Great job!

What a wonderful experience. This is our 4th home purchase and I must say it was the smoothest. Outstanding and professional staff. You'll are awesome.

Kevin and his team were amazing to work with and helped get us a wonderful new home!

The Community Mortgage team went above and beyond to make my experience a breeze. The level of communication was over the top that put me at ease. I’m so grateful and blessed to have worked with Community Mortgage. I would recommend them to everyone.

So professional and handled everything the right way and answered the phone whenever I called

Rudy and his staff provided professional service during the purchase of my new home. I would recommend Community Mortgage if you purchasing a new home.

Working with community Mortgage was like being chauffeured in a Bentley every step was smooth as silk didn't hit any bumps in the road and if I would have pretty sure they can handle any situation. My loan officer Pamela was very proactive and knows how to keep you very calm. This is my second ride with community Mortgage and it was just like the first ride only smoother.
Kevin ruby great job.

Refinancing my home was a breeze-- not to mention my great rate! I was amazed at the ease & speed of the process. Kevin Ruby & his professional staff were awesome to work with. I highly recommend Community Mortgage to anyone desiring personable service. Lisa Carr

Kevin, Loni, and Pam were very professional, informative and made this transaction for us very pleasant. I would highly recommend them to friends and family. They even made us feel like family and on top of that, they even surprised us on the day of closing! I really felt like crying with joy at closing. They are amazing and truly a blessing to us!

This experience was an awesome one for us. We learned so much. However, this process would not have been a success if it wasn't for the great team at community mortgage. Kevin, Loni, & Pamela were awesome, they were patient with us, worked things out on our behalf, guided us through the process every step of the way.They made us appreciate this process even the more and removed so many frustrations and stress off of us. We love each and everyone of them and can't wait to send so many people their way to help them as they helped us.....They Are The BEST!!!!

The team was very professional and quick with responses. Kevin Ruby was always available for questions/concerns, relieving much of the anxiety that comes with this process. Thank you!

I am 46 yrs. young and a first time home owner. I was referred to Kevin Ruby by a family friend whom knew I was looking to purchase my 1st home. I remember my initial conversation over 1 year ago, and after we hung up the phone I knew that Kevin was the right one to help me and my family achieve "The American Dream".
Kevin and his team explained things on my credit report that needed immediate attention and after a couple of months of dedication; I was on my way to looking for a New Home.
During the process; if Kevin or anyone from his wonderful team needed any additional information they would call or text or email me and it was always a pleasure to speak with them (Pamela, Loni. just to name a few).
Mrs. Pamela was such a Dear; she would answer her phone anytime I had a question.
Fast forward to the Day of Closing; I cried because Kevin and his team held my hand through the whole process of helping me and my family to accomplishing the Dream of Owning our own home.
Kevin and his team are very professional and friendly and enjoy their job. If you or anyone you love are looking for a home I would suggest giving Kevin and his team a chance; I promise you will Love the whole house shopping experience.

This was my 1st time going through the home buying process. Kevin and his team were gold. They took the time to explain everything to me and answer any concerns. He made the process as simple and easy as could be even when it was time for the "to do" list that they give. I'd recommend them to anyone and if I ever were to do this again, I'd hope they could help me a 2nd time. Thanks again

Kevin Ruby and his team went above and beyond! They are extremely efficient; the process was easy and streamlined. I was referred to Kevin by multiple friends and he still managed to exceed my expectations.

The process was very smooth and easy. Everyone was very friendly. I will say however, it is the only home loan we have had that we did not personally meet the lender.

Kevin was a great help to us and kept us and our realtor informed during every step. He was easy to reach and quick to respond to our needs. He and his team worked efficiently to get our paperwork done so we could purchase our dream home close to family!! This is our second mortgage with Community Mortgage and we would recommend them to anyone!

I would like to say, we really enjoyed working with Kevin and Gabe, they treat you like your family, anything you need to prepare for your wonderful day, of being a home owner, they are there for you. We appreciate the support, helpfulness, encouragement, most importantly their honesty! If you ever looking for a mortgage company their the one to go too!

What an amazing and easy experience! Not only did they help me tremendously, but they walked me through every step of the way with explanations, rather than just needing signatures. 10/10 from me!

Couldn't have been any easier with Kevin's team. Communication was unreal how quick they answer emails etc. Overall best experience ever dealing with a mortgage company. 10/10 rating

Outstanding job!

Outstanding support and true family experience. Thank You!

It was a pleasure to work with Kevin and his staff at Community Mortgage to help us secure a loan for our new home. Kevin was responsive and patient with all the questions we asked of him. He was knowledgeable and dependable at accomplishing the tasks at hand. He was organized, thorough and professional, as well as kind, which made all the difference in our interactions with him. It was a good experience during a stressful but exciting time.

Kevin and his team were outstanding. I've always heard that buying at home was a difficult process but I can say that Kevin kept us updated throughout the entire process. If I could rate them I would give them a perfect plus. Throughout the process I knew exactly what was going on as it happened. If I ever needed another loan I would not hesitate to call these guys. Pamela and Loni were very helpful as well. Overall it was an awesome experience and I truly think Kevin and his team for everything they done for us thank you.

The entire Kevin Ruby team did a fabulous job of execution and communication. Thank you to the entire team.

Kevin and his team were excellent! They answered all of our questions promptly and held nothing back. I appreciate the service we received and will ❤️ to work with this team again!

Thank you so much Kevin and the team for all of your help in securing our loan for our new home. You were organized, thorough and professional. Your personal approach made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as people rather than just home loan customers. You stand above the rest. We also really appreciated the nuggets of great advice you provided throughout the process. . Awesome Job!!!

We have worked with Kevin and the community mortgage team twice. Frist on the original purchase of our home and on the refinance. The level of professionalism and support during the process is first class. The communication is clear and concise. I highly recommend Community Mortgage for you home finance needs.

Thanks Mr. Ruby for helping us get it done, We are very pleased with your excellent service. Thanks, the Towns

I thank Community Mortgage for financing my home.

Would I recommend me this to others?? More than likely, no! I do not feel like they searched all available DPA and other monies to help reduce my out of pocket expenses along with providing the best interest rate.

Community Mortgage has the best staff. They made our home buying process easy . The staff is very professional and organized.

I rated my experience a five due to Kevin Ruby doing his very best to help me from the beginning to the end of the process. He was available as well as patient when helping me. I truly appreciate you from the bottom of my heart for making this process run as smooth as possible. I’d like to thank Pamela for your help and being available as well.

Kevin and his team were wonderful. Always available for question and keeping in the loop. I couldn't say Thank You enough to Kevin and his team. THANK YOU ALL FOR MAKING OUR DREAM COME TRUE. Very much appreciated.

Thank you Again
Alonzo & Valerie Williams

Kevin and his team were attentive and responded timely to my needs and concerns. They went the extra mile to ensure process and was able to get me the best rate/deal possible for my loan and closing.

Thank you!

We always love dreaming and looking at beautiful homes. We are still pinching ourselves as we are coming up on one month of living in our brand new beautifully built forever home. Kevin Ruby treated us with so much respect from the very first phone call. He helped us make a plan to secure financing for the biggest purchase of our lives. We never would have guessed we would be building during a world wide pandemic however, even through times of uncertainty he remained a constant encourager. Community Mortgage has a phenomenal team full of extremely informative, patient, and knowledgeable people. We were never left wondering what the next step was. Kevin Ruby cheered for us all the way to the closing finish line. We will never forget the day we got the message � It's done, this is real, closing day is set.� We will forever be thankful to Kevin Ruby and the entire staff for helping us achieve the dream of our forever home. We are so grateful and thank you for being part of our story!

I loved working with Kevin Ruby and his team at Community Mortgage. He made the process smooth, and pleasant with my needs in mind. Easily accessible. Thanks.

My family and I are grateful for Community Mortgage. My husband and I were treated with the most respect. Kevin, Pamela and Loni were very knowledgeable , helpful and exhibited great customer service while handling our home mortgage. Community Mortgage is the best!

I am a witness that community mortgage is the #1 best mortgage company, they were sooo helpful and guided me threw the whole way until closing and provided me with all details. I will like to send a special thanks to Mr. Kevin Ruby, Ms Loni, Ms Pamela. And a big thanks to the whole community mortgage group THANKS

Kevin and his Community Mortgage Team were excellent! We were in a pinch after another mortgage company dropped the ball less than 2 weeks to closing. Kevin and his team swooped in to save the day. They were through, fast, friendly, knowledgeable and we still made closing on time. They truly were the team of superheroes we needed at the right time.

Community Mortgage was on top of everything I needed to have a successful closing. Any question I had for Kevin Ruby was answered almost immediately.

I m so glad I chose Community Mortgage for my home owner load. The employees were very helpful and was available at all time, they also very professional.

Kevin Ruby, Loni Kruse, and Pamela Frazier were awesome. They kept me informed every step of the way during my loan process. If I had any questions, they were available. I felt at ease working with this team. You guys are the VIP. Thank you for a successful closing.

I cannot say enough great things about Kevin and his team from Community Mortgage! I was given his number by our sales agent while my wife and I were looking at model homes and before we left the office, Kevin had gotten us pre-approved, allowing us to secure our building contract before the lumber prices skyrocketed. Kevin and his team checked in with me throughout the build process and always responded to questions within minutes! An unforeseen delay on closing day put our closing at risk, yet Kevin and his assistant Pamela went to work to ensure the issue was resolved immediately, allowing us to close with only a 30 minute delay. My wife and I are now enjoying our brand new home, thanks to Kevin and his team.

If you're looking for an honest, hard-working, and local mortgage company, look no further than Kevin and the team at Community Mortgage.

Best ever

Kevin and the entire team at Community Mortgage did an amazing job! They were prompt with responses, easily accessible, and answered all of our questions along the way. The application process was easy (so easy we filled it out on our phones while sitting in a car!) and the preapproval came back very quickly! The entire process was nearly painless for such a large purchase. We literally couldn't have done it without everyone's help. Moving to the area from out of state is a hard process, and Kevin and his team made the entire mortgage process so simple. Thanks so much!

I am looking to get a loan to putchase a home for investment to rent out.

From the moment we entered the office to see about a loan Kevin and his wonderful team were a class act. The building took a while but when ready they took action to get us to close quickly. Thank you Community Mortgage

When I began the home search process and decided to build, I was given the name of Kevin Ruby with Community Mortgage as a preferred lender. I had submitted my application and Kevin called me within a day or so to tell me that I could move forward in the purchase once some additional information was acquired. He kept me updated personally or a member of his staff would contact me. There was never a moment of wondering how things were going or if I needed to do anything. The professionalism and courtesy that I received throughout the process was exceptional. Whenever there was a question or missing information, they contacted me immediately. Once my final application was submitted to the underwriters, I was very confident that my file was complete and thoroughly reviewed by Kevin and his team. When I arrived at my close, the attorney commented, "Rarely have I seen a file that had no missing items, but yours is complete!" I was finished with my close in 30 minutes. I owe this awesome experience to Kevin and his skilled staff. I highly recommend Kevin and Community Mortgage.

Everyone was amazing. I would not hesitate appointing anyone to use Community Mortgage. I slept at night knowing that everything was treated as a priority. Communication with every step of the way was absolutely superb.

I'm very pleased with the level of service provided to me in this long process of getting a mortgage to buy my home.
Mr. Kevin Ruby and his team did an excellent job specially during these particular times that we all are going through. All the process was kept simple and easy to understand.
I will recommend Community Mortgage to anyone who is looking for a great company to start the process of getting a mortgage.

Sincerely,
Carlos Casabona

I had the privilege to work with Kevin Ruby during the process of building my new home. He was kind, courteous and professional which made this process seamless.

We had a great experience with Community Mortgage. They were very responsive to all of our questions and made sure we were informed at all points in the buying process. Great lender!

Kevin and his team Pam and Loni were awesome. I was pre-approved very quickly (he even sent me the info on the weekend). Once I found the home and we were in the process they were always in touch letting me know what was going on, and what they needed. Once we were ready to close it was seamless. They coordinated everything and everything was on time. Even when we had a delay with the builder, they were on it. Thank you Pam, Loni and Kevin!

Kevin Ruby and team were outstanding to work with. They were responsive at anytime of day, and worked with me to find an optimal home mortgage package.

We switched to Community Mortgage rather late in our new build process. The team was exceptional in meeting our needs, being patient in explanations, and accessibility. Kevin would answer a text message quickly and made me feel very comfortable and confident! Thanks!

Working with Kevin Ruby was awesome!! The first experience that I had with this mortgage company back in 2010 wasn't so great and I almost decided to go elsewhere to look for financing. Kevin cleaned up the mess from the precious loan officer that I had but at that point I was frustrated and gave up. Even though he didn't remember me initially (LOL) I went back to Kevin because I gave him my word back in 2010. He made things really simple and easy. Once o was approved I found a house and closed on it within a 3 week time frame. I would recommend " Community Mortgage" and "Kevin Ruby" to my family And friends.

Thanks again Kevin. Your professionalism and knowledge of loans is unmatched. My family and I have gratefully enjoyed this experience working with you and the staff. We will definitely use you again.

Gregory Hill

Great company to deal with. Community Mortgage has a staff of business professionals with a sense of humanity. It's been a pleasure working with Kevin Ruby, Kim, and Pam. I would highly recommend their services as a very pleased customer.

Thank you Kevin for making my experience more enjoyable than I remember it being with other organizations. You and your team have made the process easy and have made our dream a reality.

Respectfully,

Michael Feliciano

This was the fastest and easiest loan process ever!! I knew the types of documentations that would be needed, so I had them already collected and organized. The same day that I applied, I received preliminary approval for the amount I wanted. I couldn't believe it! It was so fast! The closing was a breeze because I was already familiar with a lot of the documents I had to sign. Kevin's team had systematically emailed me documents for my signature and information throughout the process. I will gladly recommend them to my family and friends.

Community Mortgage team took great care of all of my realtor needs from the beginning to closing. I highly recommend Community Mortgage for ALL of your Real Estate needs.

Everything went great! Kevin helped us every step of the way. We got our dream home with the best rate we could get. So happy with our experience with Community Mortgage.

We really appreciate Lonnie, Pamela,and Kevin Ruby. It was such a breeze working with you all. You made this process so easy. Every step of the way was such a pleasure. We thank you all so much for everything!!! We have already and will continue to tell others about community mortgage. Thanks again for everything. You all make a great team!!!

Very responsive and had options that other institutions couldn’t provide. Thank you so much!!!

Great Service.

Kevin Ruby is the best!!! The Community mortgage team kept me well informed every step of the way. This homebuying experience and ease of closing exceeded my expectations. Stress free! Thank you Kevin and Community Mortgage team !!!

Great!!

Kevin and team did an awesome job taking care me from the start to the finish! He's all about the client.

Hands down, this is the BEST mortgage company to work with! This is my second time, and they never disappoint. They are dedicated, professional, trustworthy, and handle everything on a timely manner. I will always use them in the future if I ever need another house, or refinance.

Community Mortgage closed my conventional loan in 18 business days! I’m not sure you can find another lender to work as hard or as fast as CMC. 5 stars all day and I’ve already referred multiple friends to Kevin Ruby and his team.

Awesome service from beginning to end. I was able to get answers to my questions at any time. The customer service was superb!

I can truly say from beginning to the end every team member was on their job, their response time to any question we had was answered within minutes. If we ever had to do it again, Community Mortgage would be the one we go to.

As a Realtor communication is key! Kevin Ruby and Pamela Frazier were great at communicating and updating me with how things were going and ensured that we had a smooth on time closing.