Ruby Chien

Loan Originator

(510) 793-6430
DRE 01011340 | NMLS 294347

Ruby Chien joined the real estate and mortgage industry in 1991 and was featured in China Fortune Magazine in 2009. With 28 years of experience in mortgage lending, she has exceptional knowledge and skill in providing fantastic service and a smooth transaction. By maintaining constant open communication throughout the process, she keeps her clients well informed of the situation and answers all their questions with clarity and valuable industry insight. Her sincerity toward clients, dedication to work for their best interests, and ability to operate at a high level of efficiency has earned their trust for many years, which contributes to 90% of her business coming from clients’ referrals.


Ruby is simply the best mortgage broker we have worked with. She is not only trustworthy and responsive, but also would go the extra mile to make sure her client’s best interests are met. We would recommend her to all our friends who need to get a loan. There isn't anyone who doesn't give her high praise. I would give her my highest recommendation without a doubt.

Cheng Ping L., Product Security Principal at General Electric

As a first time homebuyer, I'm lucky to have Ruby as my loan agent, and she has provided me GREAT help while writing a very important chapter in my life. With a complicated employment history along with having two families all as borrowers on one mortgage, I could tell my case wasn’t going to be an easy one. However, Ruby studied my scenario carefully and designed three different ways for me to obtain the loan successfully, efficiently, and professionally. There are a ton of loan agents in the market, but if you are looking for someone who cares for your story and provides thoughtful, efficient, honest, and profession service, Ruby would be my best recommendation.

Jiennan X.

Ruby has been the loan agent of choice for my family during the past 7 years, having gone through at least 4 loans with us.  She is very conscientious and is willing to put in additional efforts to gain that incremental benefit for the customers. You simply cannot go wrong with working with her. She will most certainly exercise her knowledge and expertise should you encounter a difficult case. I would gladly recommend her to anyone.

David L., Chief Technology Officer at Marathon Patent Group Inc.

Ruby is awesome. She helped me with the purchase of my first home and I can’t say enough positive things about her. We talked with several other brokers and none of them managed to even get us pre-approval letters. Then, our friend referred us to Ruby. Unlike other brokers, Ruby was very dedicated to help us. She was always available to answer all of our questions. She is very efficient and lets you know exactly what to expect during the whole process. She always tells you the truth no matter what, and if problem arises, she will always presents you with options and helps you make informed decisions. I wouldn’t hesitate a moment to recommend her to my friends and family.

William L.