Ru Toyama

Your Arlington
Home Loan Expert

When you’re ready to build, buy, or refinance your home, you deserve the utmost care. Ru Toyama brings passion and expertise to help you on your mortgage journey, especially with VA, construction/renovation, and jumbo loans.

A Loan Expert by Your Side

Ru Toyama mortgage

Ru Toyama

Loan Officer

NMLS #1528382

A northwest Indiana native, Ru graduated from the United States Naval Academy and commissioned as an officer in the Navy. While serving 10 years as a Civil Engineer Corps Officer, he was stationed around the country and deployed to both Iraq and Guam. Looking for the next chapter in life and wanting to use his project management skills and desire to serve people, he transitioned into the mortgage lending business as a residential loan officer. His commitment to our country and his community resonates in his passion to serve his customers in the homebuying process every day. Supporting the active duty/veteran community is near and dear to his heart, and his experience provides a comfort level in communicating and understanding what they’re going through as families and service members. As a loan officer, Ru provides residential purchase and refinance solutions that make sense for each and every borrower, since everyone’s family and financial situation is unique. He is committed to making the dream of home ownership come true for his customers as long as it makes sense for them! He has stepped up as one of the newest Ambassadors of the Alexandria Chamber of Commerce, as he understands the importance of strengthening the local business community network by getting more people involved to make the biggest difference. He is also the Public Image Director of the local Alexandria Rotary Club and serves on the Alexandria Chamber of Commerce Membership Committee. He is married to Sharon Wildberger, a local Alexandria realtor, and they reside in Old Town Alexandria with their dog and cat.


See what everyone is saying about Ru


4.9/5 Rating | 16K Reviews

Charles C.Arlington, VA
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"As first time home buyers, we had lots of questions about purchasing. Ru guided us through the loan process with expertise, energy, and friendliness. We couldn’t have asked for a better experience."
Brock H.Arlington, VA
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"Ru’s service was exceptional in all aspects. His communications were always prompt, he explained the process clearly, and he worked quickly and effectively…"
Amanda S.Darnestown, MD
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"Ru is fantastic to work with!!! The process was seamless and easy. Great communication and customer service. Thanks Ru!"

Get Started in Less Than

10 minutes

Get pre-qualified with Ru with our online mortgage application. It's simple, fast & secure..

Local Home Loan

Expertise & Service

Whether you’re looking to buy a vacation home, refinance your home, or build your dream home, Ru will help you pick the loan that will work best for you.

Our most popular loan options

Our most popular loan options

Conventional Loans
By far, the most popular type of home loan. Borrow up to 97% of the home's value. Private mortgage insurance required for down payments of less than 20%.
FHA Loans
Designed to help borrowers with low-to-moderate income or low credit purchase a home. Down payment as low as 3.5% and available to those with low credit scores.
Construction Loans
MannMade construction and renovation loans exclusively through Mann Mortgage. 0-5% down payment, lock in the best interest rate, monitor construction spending online, and save time and money with a one-time close.
VA Loans
Available to assist active service members, veterans, and surviving spouses in buying, building, and retaining a home. 0% down payment and properties must meet VA guidelines
Refinance to get a lower rate, get cash out, shorten your term, or change the type of loan you have.

contact me

I'm Here

For You

Ru Toyama

Loan Officer

NMLS #1528382

Office: (703) 650-7431

Cell: (703) 200-4554

Monument Home Loans

4075 Wilson Blvd, Suite 823

Arlington, VA 22203