Having been in the mortgage industry for over seven years, I am well equipped to answer your questions about and facilitate a refinance of your home or a new home purchase. I pride myself on providing every client with an unsurpassed level of customer service and I will work extremely hard to ensure that the process is very simple for you and your family and that we accomplish both your long and short term goals.
4350 Lassiter at North Hills Ave
Raleigh, NC 27609
" I wanted to let you know how wonderful and helpful Susannah was during the process of our mortgage. She was extremely patient and professional. It is very rare nowadays to find someone who wants to help you and explain every detail of the process. I greatly appreciate her. She even gave her personal cell phone in case we had any after hours questions. "
" It has been a pleasure working with you! "
" Thank you again for everything. You are appreciated and may God bless you always. "
" Thank you so much for your patience and dedication in closing my mortgage. You are the best. Life is good… Take care, "
" Thanks Susannah! You have been pleasure to work with. Much appreciated. "
" Susannah, thanks to you and your entire Plymouth Meeting team, my loan was processed quickly and the closing went smoothly. You were awesome. "
" THANK YOU!!!! You are very impressive and I am so glad that out of all the thousand calls I received from the online entry that I ended up with you. Thank you again for everything! "
" "You have been wonderful throughout this process. New Penn Financial was very professional and caring towards me. I feel that you have become a great friend and I cherish that friendship." "
" "I know that you have worked very hard on this deal. I really appreciate your efforts and dedication." "
" "Hi Susannah, thank you for all the great work you did and hanging tough with me through the whole process! You're fantastic!!! God Bless You!!!" "
" "Mrs. Ruby, I know that you have worked very hard on this deal. I really appreciate your efforts and dedication." "
" “Hi Susannah, I wanted to let you know we just finished signing all the papers. We just want to say thank you to you and all your staff that helped make this happen. I know it wasn’t an easy one. Hope you have a good restful weekend now that you are done with all of this. Take care. I will call you or email you once in a while just to say hi.....thanks again.” "
" "Susannah Ruby was incredible to work with. She was consistently responsive and attentive. We always knew that she was looking out for us and advocating when needed. These days you don't seem to come across many people with both expertise and attention to their clients. Ms Ruby exceeded our expectations in all categories, even being reachable on evenings and weekends and while traveling." "
" “I would like to start by thanking New Penn Financial for having the foresight to hire someone as wonderful as Susannah Ruby. Throughout our loan process she has been right there every step of the way. No matter what obstacle or problem was put in our way Susannah seemed to always come up with the 'correct solution. Working often into the evening and around our busy schedules she was always available to answer questions or to work through a problem. She has been a joy and privilege to work with. I would highly recommend her to any friends that are looking for a finance or refinance solution. Susannah Ruby is the only person I would recommend. Thank you.” "
" “Ms. Ruby, I just want to give you my utmost respect and thanks for putting this REFI together for me. I must say it has certainly been a task for you. I’m really glad I was able to supply all the documents you requested within a 24 hour period. I have had my home refinanced a couple of times and I have never had a sales manager quite like you. You were very involved and I felt as if I was your only customer. Again I just wanted to thank you for your hard work, dedication and professionalism toward me refinancing my home.” "
" “From start to finish Susannah was great. She kept me in the loop about every detail of my loan. She made it very easy for me to talk to her about my refinance. Thank you for getting this done. Your dedication is much appreciated. Thank you very much.” "
" "Working with Susannah through the refi process was a lot easier than I anticipated.Thanks for your professionalism and words of encouragement throughout." "
" “Susannah, what a wonderful experience it was to work with you, we love the fact that you were fast, efficient, and professional. Working well with us and the people in which we do business with. Set-ups with appointments and other outside people was a dream. You working with us on all the answered questions, explanations, made this a stress free process. You are definitely great at your job..!!! Customer Service is 5 star all the way to the end. We got a great loan on our refinance and are very, very happy clients. We will tell everyone to call you first. Thanks so very much!” "
" “Thank you so much, Susannah. I really can’t believe how quickly and effortlessly this process went. I appreciate your clear guidance and responsiveness. You kept all of us on the straight and narrow path! Thank you again for your help. May all of your good be returned to you, tenfold!” "
" “Susannah, thank you so very much for all your help with our refinance. You made the entire process extremely quick and easy. Working with you on this was the most pleasant experience I have ever had. I appreciate the time you took from beginning and right up to the very end. Thank you for making this process enjoyable and stress free. I will definitely recommend you to anyone needing these services. Thanks again!” "
" “My wife and I would like to thank our loan representative, Susannah Ruby, for all her assistance in the refinancing our loan. We were pleased with the service, including the timely responses, attention to detail, and follow through. She went above and beyond to resolve several problems that we encountered. If I had not been for hard work and dedication, we would have not been able to complete this loan. She was a breath of fresh air compared to other mortgage companies we have worked with in the past. We commend her for her excellent service and really appreciate her efforts on our behalf. Your company is very lucky to have someone of her caliber working for New Penn. Thanks again, and we will recommend Susannah and New Penn to anyone that is looking to buy a home or refinance!” "
" “Thank you for all your help Susannah. You really made a difference in choosing my mortgage refinance lender. Your professionalism, and great communication skills made my experience a great one. I will definitely recommend you to all of my friends. You have been great. Have a good holiday and an amazing new year.” "
" “So glad it is all done!!!! Definitely enjoyed working with you and you were very patient with my requests. I appreciate that! I appreciated the text availability. It made life so easy while at work, so thank you!” "
" “Thank you for being so available and efficient during this entire process. This was, without doubt, the easiest home financing process I have ever experienced. I will definitely recommend you to friends.” "
" Susannah Ruby has made the home loan process a true pleasure. She explained every step of the process to my wife and me in clear and understandable terms and went to bat for us in getting our application approved despite some potential negative aspects in our history. Susannah was always was one step ahead, providing us with all necessary papers to approve and sign in a timely manner so that there were no surprises and as a result the closing went more smoothly than any we have ever experienced. Beyond this, Susannah always maintained a warm and pleasant demeanor and made the process an enjoyable one. We are going to later refinance again and we look forward to Susannah's help with that also. We highly recommend Susannah to anyone interested in obtaining the best rates and service.” "
" “I had an outstanding experience with Susannah and New Penn, the refinance could not have gone any faster or smoother. Thanks again.” "
" "Thank you so much Susannah for all your help with my refinancing and cash out. You made the process so easy for me! You were there every step of the way, day or night, which put my mind at ease about the process. Now I’m refinanced at a lower rate (so I’m saving tons of money!) and the cash out is helping me update the home I’ve been in for 14 years. The amount of money I am saving and the improvements I’m making on the home will help me financially both now and in the future when I decide to sell my home. Thank you for being patient with all my questions…your knowledge and thoughtfulness was invaluable and very much appreciated. Thank you…thank you….thank you!!!” "
" “I wanted to take a second to thank you Mrs. Ruby for your time, professional work ethics in helping me with my home refinance. I have refinanced in the past and I must say this time with New Penn and working with you was smooth as silk. I truly appreciated all your calls and notifications of what needed to be turned in to get the process rolling. You had great communication skills and kept me up to date on everything going on and kept me very informed. I am very happy to have my loan through New Penn and if they are half as easy to deal with as you have been this past month then I'm in for a treat. I will keep your information and be sure to pass my positive experiences on to others!! Again thank you and keep up the awesome job!!” "
" “I want to offer my highest praise for Susannah Ruby. Her expertise and kindness were a tremendous comfort and asset over the course of my refinance. For several reasons, the mortgage process took a while-- I'd recently switched jobs, my wife was due with our second child-- there was a lot to cover. Susannah always-- every time we spoke-- had to answer a cavalcade of questions from me, some of them productive, others probably not. But she treated me and my family with unwavering patience and always had helpful answers to my many, many questions. My experience with her suggests that she is an expert in her field, as well as a compassionate person. To be candid, very early on, I'd spoken with several mortgage brokers and bankers about my refinance-- their pervasive vagueness and tendency to rush through conversation had me convinced that it was not the right time for me to refinance. Susannah was the one who was patient and reassuring enough to help me understand that we could make our refinance happen, and now my family has an unbelievable rate on a 15yr, fixed-- getting us out of a 30yr ARM-- and this isn't just numbers and business; when my two daughters are still in high school, we'll have our home paid for, opening up opportunities for them when it comes to college, and for my wife and I as we begin to imagine retirement. And I'm not sure we would have gotten there without Susannah's help. Thanks so much. "
" “Hello Susannah. Once again thank you for the smooth transition on changing our Mortgage to you. It was a professional and great!!!” "
" “I wanted to take a few moments and provide you with feedback on my recent refinance with New Penn Financial, specifically my experiences with Susannah. While the process itself took a bit longer than anyone anticipated, I truly enjoyed working with Susannah. When my wife and I decided to refinance our home, we completed a lendingtree.com application and was courted by four (4) refinancing companies, one of which we have had a relationship with for many years. While every financier was comparable on what they were offering, we elected to go with New Penn for a variety of reasons. First, Susannah was extremely quick to respond. She truly gave us the impression that she wanted our business. From the start, Susannah made us feel like valued customers that she wanted to build a professional relationship with. She was timely and always extremely responsive. In addition, she never faltered with my numerous questions, requests for clarifications and was very understanding when I wanted to vent frustration on the loan officers’ numerous hoops we had to jump through. Susannah took time to build our professional relationship by getting to know us better and even taking interest in the charity I founded. Susannah was an absolute gem to work with. She was consistently responsive and attentive. I would highly recommend her and New Penn to others.” "
" Hello Susannah, thank you so much for all your hard work to get me refinance, my experience with you was unbelievable you remained professional through the whole process you gave me excellent customer services any issues that came about I never had to worry because you had a resolution to each issue. If there was a rating chart you would be off the chart!!! I’m always here to give 110% you gave me above and beyond! I would recommend you to anyone who is thinking about refinance, you took the time to really look at the situation as a whole, not call me back and say no you can't help you at this time, I really appreciated you taking the time to look at everything and get me approved for a loan. You saved me 300.00 @ month also got me away from a mortgage company that was very problematic. You are Awesome! Thank you again!" "
" “Susannah, I can't thank you enough or find the words to express how grateful I am that I found you and New Penn Financial to help me get through such a trying time in my life. I was fighting to keep my house. It seemed like an impossible thing, but with your help I was able to keep my home that I love. You worked tirelessly including nights and weekends to make sure things got done and I've worked with big name companies in the past and didn't get even a fraction of the care and attention that you gave me. Couldn't have done it without you.” "
" “Ms. Susannah Ruby was so pleasant to work with during this important decision in my life. I found her to be honest, professional and precise. Nothing was hidden from me and there were no hidden increases at the last minute. She is a woman who listens to your goals of financing and she works hard to bring to the table just what you asked of her. She not only delivered but she was pleasant, kind-hearted and honest. New Penn has a jewel working for them and I would recommend them to all that are looking for a company that cares about you the customer.” "
" “All went well. We got everything signed!! Thank you for all the help!!” "
" “Susannah, thank you so very very much for your help in making the process so easy. You were wonderful to work with. You made it so easy. I would and will recommend you and your company to everyone. Your professionalism was above and beyond what any person could imagine, and I commend you on your attitude and just friendly manner that you conducted yourself.” "
" “We want to thank you for all the work you did in refinancing our home. We have had loans before, but never had one completed so fast and easy. Working with you was a pleasure and we have given your contact information to family members and friends. I still can't believe how easy and fast. This loan will make things easier on us. It's nice to work with someone who is professional and knowledgeable in their profession. You have been a blessing. Thanks you again & God Bless.” "
" “I wanted to thank you for all the help that you provided me through the process of refinancing my home. You were very helpful in all the assistance you provided to make sure I had everything I needed. I did not realize that everything would go through so quickly. Again, thank you for all your help and always just being a phone call away to answer any questions I had. It definitely made me feel at ease to have someone so knowledgeable in their field to assist me.” "
" “I just want to take the time to thank you, Susannah, for helping with my re-finance. You went above and beyond and made great strides to ensure that the process went as smoothly as possible. I was very pleased with your expertise and professionalism. You are a great asset and I am so thankful that you were there to assist me. Thank you, again.” "
" “It has been a pleasure to work with you through my refinance. As I stated before I almost didn't take your call but I'm glad I did. I had talked to Quicken Loans and they seemed a little too pushy for me and then when you called I was currently working with Loan Depot and about to do business with them. I had sent them the money for my appraisal but once I spoke with you I stopped the process with Loan Depot and decided to work with you. You have been upfront and honest with me through the whole process. You answered all my questions and concerns. You saved me money. I would definitely recommend you to anyone. Thanks for everything.” "
" “My husband and I would like to thank you for all of the help that you provided to us during our loan refinance. Your hard work and dedication to our loan enabled us to secure a lower rate on our mortgage. Everything flowed smoothly, quickly and accurately. This has been by far the best experience we have had with a transaction of this nature. You guided us every step of the way, gave us sound advice, and called us every day to let us know what was going on and where we were in the process. You always gave us your honest opinion, and you never put any pressure on us whatsoever. We are very pleased with your service including your timely responses, attention to detail, and follow through. You were a breath of fresh air compare to our past mortgage company and other places that we inquired about refinancing. We commend you for your excellent service and really appreciate your efforts on our behalf. We were very impressed with you. Your company is lucky to have someone of your caliber working for them. Thanks again, we will definitely recommend anyone that I know needed a refinance to you and know that you will take care of them and provide the same high level quality of service that you provided to us.” "
" “I hope you had an amazing weekend. I wanted to thank you for reaching out to me regarding this re-finance. As I said earlier my previous New Penn experience resulted in me giving a referral and the fact that I was contacted again is a great customer service kudos :) I have you to thank as life here in DC can become overwhelming so quickly we forget about our personal yet very important life matters. Again, thank you so much for your kindness, your professionalism and humor.” "
" “Susannah, I really appreciate all the work you did to help make this loan go through. When there were a small bumps in the road you smoothed it out and we pushed on. This was our first refinance and you helped us every step of the way. I really feel you are a great asset for New Penn VA Loans. Susannah you were very professional throughout the whole process. I want to thank you for getting us to switch insurance companies when the loan ratio numbers were not right. You have helped us save money not only with the homeowners insurance but with our auto insurance. And this VA loan too. You have been there from the very beginning helping us all the way. I am very glad we went with you. Choosing New Penn was the Right Choice. If I ever need a loan or anyone I know needs one I will let them know New Penn is the way to go and I will tell them to ask for ‘Susannah Ruby.’ Thank you again for all your help.” "
How Does a Cash-Out Home Refinance Work?
Here we dive into a cash out refinance and the great benefits that come with itREAD MORE
Pros & Cons of a Move-In Ready Home Vs a Fixer Upper
There are pros and cons to both buying a fixer upper versus a move-in ready home that boil down to preferences and expectations.READ MORE
5 Home Renovations that Give You the Biggest Bang for Your Buck
We've provided a deep dive into renovation potentials and outlined the projects that have the best bang for your buck.READ MORE