Loans Queens

02/12/2026

11/27/2025

Happy Thanksgiving!
Grateful for my clients, partners, and friends who trusted me this year with one of the biggest financial decisions of their lives. Wishing you and your families a holiday filled with warmth, joy, and plenty of reasons to give thanks.
🦃🍁
If you’re planning a move, refinance, or investment in the coming months, I’m here to help every step of the way.
NMLS #8273
Office: 718-969-7170
186-09 Union Tpke, Fresh Meadows, NY 11366

07/10/2025

Your Home! Your Loan! Your Terms!

🏢 Mortgage Solutions for Every New Yorker

Looking for a mortgage that fits your lifestyle and finances? Whether you're a first-time homebuyer, real estate investor, or self-employed, Ruben Gurgov and his team have you covered.

We Offer:

✅ FHA, VA, Conventional Loans

✅ DSCR, No-Ratio, Investment Loans

✅ Non-QM, Bank Statement, Self-Employed Options

✅ ITIN, Foreign National Programs

✅ Jumbo & Super Jumbo Loans

✅ Co-op, Condo, and Multi-Family Properties

Why Choose Us?

Fast Pre-Approvals (Same Day in Most Cases)

Competitive Rates

Personalized Service Across All of New York

Contact Us Today: 📞 718-969-7170
📍 186-09 Union Turnpike, Fresh Meadows, NY 11366
🌎 Serving All of New York State
🔐 NMLS #8273 | RCG Mortgage

**Call Today and Let Us Help You Unlock Your Next Home

07/16/2024

Thinking about buying a home? You want to consider everything from mortgage rates to your personal finances and goals.
My best advice: focus on what you can control and take the time to evaluate your situation.
These 4 questions can help you figure out if you’re ready.
If you want to have a conversation about how to prepare, send me a DM.

07/15/2024

Wondering if the upcoming Presidential election will shake up the housing market?

Here's what you need to know. History shows home sales may slow down a bit in November, but they usually bounce back fast, prices keep climbing, and mortgage rates tend to dip a bit.

Overall, the impact is minor and short-lived. Have questions? Let's chat.

07/11/2024

The Price of Perfection: Don’t Wait for the Perfect Home

In life, patience is a virtue – but in the world of homebuying, waiting too long in hopes of finding the perfect home actually isn't wise. That’s because the pursuit of perfection comes at a cost. And in this case, that cost may be delaying your dream of homeownership. As Bankrate explains:

“One of the most common first-time homebuyer mistakes is looking for a home that checks each of your boxes. Looking for perfection can narrow your choices and lead you to pass over good, suitable options for starter homes in the hopes that something better will come along.”
The Cost of Holding Out for Perfection
Nothing in life is ever perfect – and that's true when you search for a home too. Unless you’re building a brand-new home from the ground up, chances are there are going to be some features or finishes you wouldn’t have picked yourself. It may be as simple as paint colors, a light fixture, or the tile in the bathrooms or kitchen. Or even that the backyard isn’t fenced in. It could also be that the home itself is great, but it’s not the ideal location you were hoping for.

But here’s the trade-off you'd be making without even realizing it. In all that time you’d spend searching for the perfect place, you’d overlook a lot of homes that would’ve worked for you. U.S. News explains:

“. . . you may miss opportunities if you enter the process with blinders on and aren’t open-minded . . . Countless potential buyers never buy because of this, and thus miss great investments or never move on to the next chapter of their lives.”
It’s Time To Redefine Perfection
Especially with affordability and inventory where they are today, buying a home that needs some updates, is a few neighborhoods away from your ideal location, or doesn’t have all your desired features can be a smart move. Here’s why.

For starters, these homes are usually more affordable, which is important at a time when some buyers are struggling to find options in their budget.

And they give you a chance to make the space your own or discover a whole new area of town. You may find out you actually love that neighborhood. Or, swapping out a feature here or there after move-in isn’t such a big deal. So, look past the green s**g carpet and see the bones of the house. With a little vision and creativity, you can turn a good house into a fantastic home.

How an Agent Helps You Explore Your Options
If you’re open to a home that needs a little elbow grease or is a bit further out, let your agent know. They’ll be happy to show you how this can really open up your pool of homes to pick from. They’ll also help coach you through this process by:

1. Prioritizing Your Must-Haves: Your agent will want to revisit your wish list and separate your non-negotiables from your nice-to-haves. From there, they’ll focus on what’s really most important to you as they come up with a bigger list of options for you to choose from.

2. Coaching You To See the Potential: As you tour these added options, your agent will help you look beyond cosmetic flaws and imagine what the home could be with a little work. Simple updates like a fresh coat of paint or new flooring can make a big difference.

3. Connecting You with Local Pros: And an agent’s support goes one step further. If they know what you’re hoping to change after you move in, they can connect you with local pros who can get the job done. That way it’s less work for you, and you don’t have to worry about tracking down contractors.

Bottom Line
Remember, there is no perfect home. But with expert help and an open mind, we can find you the right home – even in today’s market. Let’s connect to see what’s out there.

05/16/2024

Struggling to find your first home that fits both your lifestyle and budget? Consider condos. They're smaller and that means they may be easier on the wallet. And with added perks like low maintenance and community amenities, condos might just be your smartest move. DM me to learn more about the condos available in our area.