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Holiday Closures: Rivermark will close early on Wednesday, December 24th at 1pm and remain closed Thursday, December 25, in observance of the Christmas holiday. Access your accounts using our digital banking tools.

Ruby Manihani

Ruby Manihani

Mortgage Loan Officer

Meet Ruby

Ruby started in the financial industry as a teller at the age most teens are learning to drive. But that doesn't mean she's one-dimensional. From cooking to hiking and the therapeutic value of houseplants, Ruby brings curiosity, drive, and passion to everything she does.  

That’s especially true of her work in mortgage lending. That particular passion was sparked when she bought her first home at age of 23. “Navigating the intricacies of securing a mortgage gave me perspective,” she says. “I saw the true value of a mortgage loan officer who understands the nuances, communicates well, and guides you through the financial aspects. I knew I’d found my calling when I realized the profound impact I can have in someone’s life.”

In her free time you might spot Ruby exploring Powell Butte, wandering the International Rose Test Garden in Washington Park, or fully embracing Portland’s food scene.

Meet with Ruby at the Scholls Ferry, Hillsboro, Fremont, or Progress Ridge branch!

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Connect With Ruby

NMLS #740960

503-210-2668

rmanihani@rivermarkcu.org

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Highlights

Clients Love Us

Clients love working with me because…

Of my transparency, honest communication, and genuine passion
Local Gem

Favorite local gem

Powell Butte Nature Park
Book Club

Desert island book or album

Harry Potter and the Sorcerer’s Stone
Superpower

Superpower

Transforming home ownership dreams into reality
Lets Talk

Let's Talk

I speak Hindi and Punjabi

What Does A Mortgage Loan Officer Do?

Personalized Loan Guidance

A Mortgage Loan Officer helps clients find the best loan options for their unique financial goals. By understanding a client's needs, they provide tailored advice, simplifying what can be a complex process.

Loan Application Support

From gathering documentation to submitting applications, Loan Officers guide clients every step of the way. Their expertise ensures the process stays on track and stress-free for borrowers.

Market Knowledge

With a deep understanding of local markets, a Loan Officer offers insights into trends, interest rates, and lending options. This knowledge helps clients make well-informed decisions about their home financing.

Financial Expertise

A Loan Officer analyzes credit scores, income, and debt-to-income ratios to match clients with the right mortgage products. Their financial acumen ensures all options are practical and sustainable.

Member-Centered Service

Expect prompt communication and attentive service. Loan Officers prioritize creating seamless experiences by answering questions, providing regular updates, and ensuring all concerns are addressed.

Problem Solving and Advocacy

Loan Officers act as advocates for their clients. They tackle challenges, like resolving approval issues or clarifying requirements, to keep the process moving toward homeownership goals.

Today's Rates

  • 30 Year Fixed

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    As Low As 6.336% APR*

  • 5/6 ARM

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    As Low As 6.726% APR*

  • Combo 30 Year Fixed

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    As Low As 6.807% APR*

  • HELOC

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    As Low As 7.24% APR*

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    Latest From Our Blog

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    Note for HELOC: the interest rate may increase after loan consummation.

    Home Mortgage Disclosure Act Notice

    The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

    HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website. (www.consumerfinance.gov/hmda).

    *APR = Annual Percentage Rate

    NMLS# 405464