Ruth Watkins

Regional Manager

Phone Number: (727) 856-0500

NMLS# 307039

Licensed in: FL

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I have been a Mortgage Professional here in the Bay Area since 1989 and I LOVE my job.

With all of the past years changes, debates and frustrations we’ve endured, it’s time to take hold of our future and be confident with whom we work. As a Residential Lending Expert, I bring an extensive background spanning nearly 3 decades in the mortgage industry. My specialties are problem solving and fast closings. It is my honor to help you accomplish your home loan goals.  Whether you are buying or refinancing, I am at your service! Contact me to find out what we’re about because it’s time to get YOU in the home of your dreams!


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We offer many different loan types. Feel free to read about the options available for you and please contact me if you have any questions. I'm happy to help you.

Customer Testimonials

Spring Hill, FL purchase customer says Ruth guided them through the entire process!

Ruth Watkins - Loan Originator "My husband and I recently moved from Pennsylvania to Florida. Since we were unfamiliar with Florida laws, we were concerned about insurance, sink holes, mortgages, etc. Ruth Watkins was extremely knowledgeable in these areas. She kept us informed and guided us from the initial purchase loan application to closing."

Hillsborough County refinance customer appreciated professionalism!

Ruth Watkins - Loan Originator "Ruth,
Just wanted to let you know that we met with Rosanne this morning and completed the closing paperwork to refinance our home. We are set to wire the closing monies on or before the morning of Oct. 4th.
I also wanted to tell you how much we appreciate your help in making this refinance happen. After working with the other finance company for two months only to end up with bitter disappointment, you were truly a blessing from above.
We really appreciate how you were able to expedite this loan so quickly and with such professionalism. Please accept our gratitude, and I hope to be able to thank you in person one day soon."

Tampa, FL supervisor says Ruth performs at the highest level of customer service!

Ruth Watkins - Loan Originator "Ruth is a phenomenal business person and mortgage loan expert. She performs at the highest level of customer service and provides the best process I have encountered for her clients. She sets the bar high for the entire TEAM to ensure a smooth transaction."

Clearwater, FL refinance customer says Ruth is easy to get in touch with!

Ruth Watkins - Loan Originator "Ruth performed miracles with a refinance, and was very personable, creative, prompt and easy to get in touch with. We appreciate the work that she did for us very much!"

Brooksville, FL purchase customer says Ruth made the home buying process easy!

Ruth Watkins - Loan Originator "We were home shopping and me and my fiancé were referred to Ruth Watkins by a friend. We had been through several lenders only to be disappointed until Ruth totally turned our situation around was fast, professional and so helpful she made the home buying process seem so easy for us. She made herself available to us at all times for any purchase questions or concerns. I only wish I had found her in the beginning we had such a short turnaround time and we were already on a short time frame she made it happen . I would highly recommend her to anyone I know and will do so in the future. She got us our dream home doing what she does best caring about her customers. It's hard to find trust worthy people these days but Ruth is definitely one of them. She told me in the beginning I love turning bad situations around into good ones and that's exactly what she did."  

Springhill, FL purchase customer says Ruth went above and beyond!

Ruth Watkins - Loan Originator "Ruth was great!!!!!!!!! Pulled off an impossible purchase due to my circumstances..went above and beyond to make sure I found my home and MADE IT HAPPEN!!!!!!!!!!!!!!!!! I will recommend Ruth to anyone I know..everything went smooth!!!!!!!! SHE WILL GO ABOVE AND BEYOND TO GET THINGS DONE!!!!"

Springhill, FL purchase customer says Ruth is a consummate professional!

Ruth Watkins - Loan Originator "Ruth Watkins is a consummate professional! She went far above and beyond expectations - especially in dealing with a few unexpected snafus! She repeatedly went out of her way to make sure that things were clarified, corrected and that ALL the proverbial ducks were in a row. In the midst of difficulties, redundancies, errors made by others and dealing with a annoying circumstances - she remained calm, thoughtful, patient and most importantly…..persevering! I would most highly recommend Ruth to anyone seeking a home purchase loan!"  

New Port Richey, FL purchase customer says it was a seamless road to the final closing!

Ruth Watkins - Loan Originator "I cannot even begin to explain all Ruth Watkins has done for us! I used her back in 2001 for my purchase loan in New Port Richey. It was a seamless road to the final closing. Then I moved to South Tampa for family reasons and to take care of my mother. Now it is time to buy another home of our own. I stupidly decided to use a lender in the area to save distance issues for paperwork. It turned into a complete nightmare! I then contacted Ruth Watkins and in a matter of 2 weeks, she not only has me ready to close but ALSO is assisting us in getting our Escrow back that is being illegally held hostage! She is extremely experienced and just as important, has long term top quality contacts for any situation. She is surely the best mortgage person in the entire area…no matter where you live. She is always in YOUR corner and helps educate you and guides you through any situation!! She has allowed us to deal with the nightmare from before and fix it and has created an easy experience for us to move on and get into the house that is much more affordable, has it all and we won't have to spend thousands to get it where we want it!"

Sarasota, FL loan officer says Ruth is an invaluable asset to their team!

Ruth Watkins - Loan Originator The purpose of this letter is to address the many skillsets that Ruth Watkins possesses and brings to our Sarasota Florida Branch. Ruth is the perfect mixture of hands on experience, and technical knowledge. She has had positions as a processor, underwriter and loan originator, which makes her qualified as our "go to person" for complex issues regarding tax returns, income and structuring of difficult loans. More than anything else, Ruth has a "can do" attitude. She will leave no stone unturned in order to find a way to structure a loan so that it will be approved. She is an invaluable asset to our team, and I feel honored to work with her.

Melbourne, FL real estate agent says Ruth helped during a stressful time!

Ruth Watkins - Loan Originator "Thank you for your assistance with this file. You really helped them during a stressful time. On to the next file --- hopefully more will come our way this summer. Thanks again!"

Riverview, FL Realtor says Ruth is diligent and proactive!

Ruth Watkins - Loan Originator "Ruth Watkins is the most diligent and proactive Lender I have worked with in the past 11 years as a Realtor. She goes above and beyond by preparing the Buyer/Client BEFORE going under contract so that the Client is ready to proceed through the Closing process with few, if any, surprises once a file is in Underwriting so we know we are actually going to Close."

Sarasota, FL Realtor says Ruth is impressive with her patience!

Ruth Watkins - Loan Originator "I wanted to share my pleasure with the services my buyers and myself, the Realtor, have received from Ruth Watkins. I have found Ruth to be available at all times of the day, works diligently to make the buyer happy. And continues to impress me with her patience and understanding of some of the most difficult clients. I will continue to use Ruth and your company for loans based on my experiences."

Brooksville, FL purchase customer says Ruth made them extremely happy!

Ruth Watkins - Loan Originator "Phyllis and I want to Thank you so much for all the help you gave to us during this whole purchase process. Phyllis absolutely loves the house. We also want to say Thank you for your gift, so kind and thoughtful. If you are ever in the Macassar Road area please stop in and see us. You and Karen both have made Phyllis and myself extremely happy. All the best to you."  

Spring Hill, FL purchase customers said Ruth made the process easy!

Ruth Watkins - Loan Originator "True character is facing life with hope for positive changes in the world. True character is keeping a selfless spirit that always gives and never quits. Thank you for being so generous with your time, energy, and most of all, your special talents! Thanks for helping make the purchase process as easy as possible!"

Orlando, FL purchase customer says Ruth's professionalism and hard work made it happen!

Ruth Watkins - Loan Originator "Hi Ruth, Well I am finally here in my townhouse, and so far I am loving it! I am sure without your help this move most likely wouldn't of happened. It was your professionalism and hard work to make it happen."

Weeki Wachee, FL purchase customer says they were so impressed with Ruth!

Ruth Watkins - Loan Originator "Thank you so much for are gift, we just finished are signing. Can't wait to get our keys! You are wonderful!!! We will give your name to anyone, you are great. I was so impressed with you that day we were on the phone with you and Factual Data! You get the job done!!"

New Port Richey, FL purchase customer says they had a great experience! (Google+)

Ruth Watkins - Loan Originator "We had a great experience with our mortgage and would recommend this to everyone."

New Port Richey, FL purchase customer says Ruth got the deal done! (~Zillow)

Ruth Watkins - Loan Originator "Ruth jumped in and got my mortgage done in TWO WEEKS! My original bank had approved my mortgage, then two weeks before closing, they bailed out on me, stating that the condo association's master insurance policy was inadequate. I thought the deal had fallen through. My realtor steered me to Ruth, whom she had worked with in the past. Like I said, Ruth worked her magic and got the deal done! I just closed on my new condo today. It never would have happened without Ruth's help. She has my thanks!"

New Port Richey, FL purchase customer says Ruth was always available! (~Zillow)

Ruth Watkins - Loan Originator "Ruth went above board to help us with our Mortgage. She was always available when we had questions. She returned phone calls in a timely manner, helped the process go smoothly and when and if there was a question on our paperwork, she helped us resolve it promptly. It was a pleasure to work with her and I would recommend her to everybody."

Spring Hill, FL refinance customer says Ruth knew what she was talking about! (~Zillow)

Ruth Watkins - Loan Originator "From the very beginning I knew Ruth, knew what she was talking about. The bigger company don't give you the service that Ruth does ,you can call her anytime within reason and she'll answer you back within the hour if not sooner. I was going through a divorce when I started and Ruth was a big help with that because of the concerns I had ,so being that she had recently gone through it she was able to advise the loan process. I would definitely recommend her to a close friend and or relative. Great Job!!!!!!!"

Spring Hill, FL purchase customer says Ruth had all of the answers! (~Zillow)

Ruth Watkins - Loan Originator "Working with Ruth through this whole process was a joy. with her years of experience she had all the answers, No matter when ever we had to call her she had the answer. Very easy to talk to and very helpful with advice as to what we should do, I would recommend her to anyone and will use her again when we have to, Ruth has turn into a friend."

Port Rickey, FL purchase customer says Ruth goes above and beyond! (~Zillow)

Ruth Watkins - Loan Originator "Can't say one bad thing about Ruth! She is absolutely amazing! First time home buyer with no prior knowledge of the process. Ruth walked me through the entire deal, explained everything in full detail and was extremely patient with me! She goes above and beyond to help any way she can! Extremely speedy responses, even late at night! Ruth has left me feeling great about this process, and if I had to do it all over again, I wouldn't go anywhere else! I highly recommend Ruth to anyone with mortgage needs!"

Spring Hill, FL refinance customer says Ruth got their loan closed when another lender couldn't! (~Zillow)

Ruth Watkins - Loan Originator "Ruth was awesome. She helped us get our loan , even when another lender couldn't . She followed us thru the entire process and communicated thoroughly every step of the way. I would highly recommend her to anyone."

Hudson, FL purchase customer says their experience with Ruth was top notch! (~Zillow)

Ruth Watkins- Loan Originator "My experience with Ruth was top notch. She was very knowledgeable and on top of things. Ruth treated me and my spouse with the utmost respect and kindness. This is my 4th home purchased and it was the smoothest. Thank you Ruth."

Palm Bay, FL purchase customer says Ruth puts her clients first!

Ruth Watkins - Loan Originator "Ruth goes above and beyond. She definitely is very knowledgeable and put her clients first. She is very personable and I was very pleased will my experience and would definitely highly recommend her expertise. "

New Port Richey, FL purchase customer says Ruth came highly recommended! (~Zillow)

Ruth Watkins - Loan Originator "I was new to the area and didn't know who to go to secure a loan to purchase a home. Ruth came highly recommended. She was able to get the ball rolling right away in starting the loan process. She answered all my questions (no matter how minor they were) and always responded back to me within the same day I asked questions. She was very prepared and always gave me a heads up to get particular paperwork ready for the next communication. The sooner I had the necessary information, she was ready to move forward. My loan was secured much sooner than I expected. If you are serious about purchasing a home and need a broker, I would highly recommend Ruth Watkins. "