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**ALERT**

HarborOne Mortgage has recently become aware of a scam that is being perpetrated partially in our name and we don’t want anyone to fall victim to it. If you have you received a USPS package containing a check or money order along with a letter for a money making opportunity that appears to be sent from HarborOne Mortgage you could be the recipient of a scam. Scammers will often solicit potential victims using a check or money order sent to your home. They will request you deposit the funds and return a certain amount of money back. Before you know it your bank will declare the check or money order as counterfeit and you may be on the hook for any money withdrawn from your account or wired to scammers.

HarborOne Mortgage does not employ any third-party services to solicit money making opportunities. If you have received an unexpected USPS package that appears to be from us you can call 800-877-8686 and ask to speak to someone in our Risk Department.

Testimonials

Zillow Reviews

JanetFreetoSmedile

5.00
Ruby and her team delivered clear, consistent communication combined with a genuine dedication to us as consumers. Friendly, professional and honest at every turn. We felt secure in our choice and are now happy in our new home.

preetam choudhury

5.00
Ruby and HarborOne has been an absolute pleasure working with as part of the mortgage application process in pursuit of our first home. Starting from the pre-approval process all the way to the final closing, Ruby and team have been extremely proactive, responsive and diligent in guiding us at every step. Ruby personally spent more than an hour the day before the closing in walking us through every detail and nuances of the CD, ensuring full clarity, confidence and trust in HarborOne!

hennesseyfamily

5.00
Incredibly efficient! Would not use anyone else! She made the process simple and easy. Hands down the team works very cohesively to help you close on time!

bramhavarfamily

5.00
Ruby and her team were an absolute joy to work with. They were incredibly responsive and knowledgeable through the entire mortgage process. Ruby answered all of our questions and took the time to explain aspects of the loan process to ensure we understood everything. We would recommend Ruby to anyone!!

zuser20150519204816361

5.00
This was not our first home purchase, but definitely the first time we actually felt good about our broker! Ruby was responsive, kind and incredibly transparent -- from the beginning, she was upfront about the numbers and the services she and her team could provide. She also helped us think ahead, advised on what was coming next and what to consider. We felt we were making informed choices every step of the way. Her team was also professional and made the application and approval process as smooth as possible. I hope we won't be moving again for a long time, but when we do we would absolutely go with Ruby!

ng tayson

5.00
I've worked with Ruby Santos and her team on two transactions so far, a home purchase and a refinance. This HarborOne team is fantastic. They communicate effectively and approach the process methodically in a very professional manner. I felt very comfortable in both transactions. Going through a home buying / lending process can be stressful. Therefore, it's really important to have the right loan consultant. I can't rave enough about Ruby and her team. You simply can't go wrong.

maxwellofmurray

5.00
Just completed the process of buying my first home. Had the absolute pleasure of working with Ruby Baranowski and her team to make it happen. Ruby was extremely professional, responsive, and a true guide throughout the entire process. She answered my questions and made sure I was aware of what to expect at every step. Overall, I had a tremendous experience, I would recommend Ruby and her team to anyone looking to secure a loan for real estate.

julieroseshanks

5.00
Thank you Ruby and to your team at Harbor One. We were able to purchase our dream vacation home. Ruby was available to answer any (and all) questions throughout the whole process. Ruby provided us with expertise that made the process go smoothly! I would highly recommend Ruby and her team!

user7524956

5.00
Ruby was so great throughout the whole process. She checked in consistantly and answered all my questions. She was available 24/7 and sent everything immediately. I'm so glad I worked with her!

nest211m

5.00
She was knowledgeable, Attentive, Available to us, Explained things in great detail, Offered options we did not know about, Pulled a rabbit out of the hat in the last minutes.

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Customer Survey Reviews

Philip and Amy

Ruby was GREAT to work with.


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Bethany and Nikhil

Ruby and her team were fantastic! They were incredibly knowledgeable, responsive and supportive through the entire process. Even though it's a busy time for lenders, Ruby always took time to answer our questions and worked to get us a great rate in a very short time. Thank you, Ruby and team!


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Michael

Ruby Santos and the team behind the transaction were fantastic! I have had several mortgages throughout my life and this was by far the best customer service. Ruby was knowledgeable and professional in all Important categories. I highly recommend her and the team at HarborOne!


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Christopher and Irma

Ruby Santos and her team were fantastic. They responded back to me when I needed them throughout the whole process. At one point I had an issue and they called me back after business hours and took care of the issue and kept me on track. I can't say enough about the level of service they provided. They are #1 in my book and I will absolutely refer them to anyone I know. Thank you so much Ruby and team.


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James

I true appreciate the work Ruby Santos and her team puts into the loan process. She is responsive, diligent, and thorough from start to finish. This is my third time working with Ruby on mortgage transaction, and each time she has prioritized my needs and experience. Many thanks!


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Jacqueline

Extremely (happy) with Ruby. She came highly recommended by my entire neighborhood and other community members. She was an absolute pleasure to work with. I appreciate her infinitely. Her attitude was positive and encouraging throughout the entire process.


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Florence and James

Words can not express the information and thoroughness that Ruby provided during this refinancing. Ruby is one of the most detail oriented people I have worked with in a long time. Ruby deserves accolades.


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Natalie and Erik

Ruby is amazing with her quality personable customer service. We wouldn’t use anyone else.


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Deborah

Ruby and her team made the refi process seamless and painless! It was a pleasure to work with them.


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Deborah

Ruby and her team made the refi process seamless and painless! It was a pleasure to work with them.


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Gaurav and Karishma

"We found our first home and HarborOne made that experience just amazing and very smooth! Ruby was great and always available for any questions help we had. We couldn’t have found a better loan officer, that is for sure! She helped us get the best rates, made the complete process smooth and explained every single details. As first time homeowners we were a little stressed but it all went away the first time we spoke with Ruby! Really couldn’t have asked for anything better.
Thanks to Ruby and team and HarborOne!!!"


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Van and John

Ruby, thank you so much for making the entire loan application process such a breeze! We truly appreciate how knowledgeable you were and how responsive you were to all our questions!


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Naghmeh

Ruby was very knowledgeable and answered all my financial questions. Thank you and I hope to do more business with you in future.


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John

Ruby was excellent. Helped explain the process to me as a first time home buyer. I really appreciated how she was available for questions and responded back to me in a timely manner.


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Andrea

Ruby Santos was very responsive, patient and professional. I highly recommend her services!


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Eric and Charlotte

Ruby Santos provided our family with extraordinary service. Her expertise, responsiveness and demeanor gave us every confidence when decisions had to be made. During extreme volatility in the market and personal challenges due to the COVID-19 pandemic, it was assuring to know that Ruby and her team would be available to answer our questions (and distill complicated and important pieces of information so we could make the best possible decisions). We would recommend Ruby wholeheartedly and without reservation. We look forward to other opportunities to work with her in the future.


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David and Maria

Ruby is exceptional and "the" reason I choose Harbor One.


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Chantal

Ruby has helped me navigate the mortgage loan process 3x and I couldn’t be more appreciative for her knowledge and support!


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Amelia

It was a stress free experience and the mortgage loan office Ruby, was very knowledgeable and helped me step by step and took the time to explain things to a level I could understand and that I appreciate very much.


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Jacqueline

It has been a pleasure working with HarborOne. Ruby and Randell are incredible and always guide us through the entire process. I highly recommend them!


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Gaurav and Karishma

"We found our first home and HarborOne made that experience just amazing and very smooth! Ruby was great and always available for any questions help we had. We couldn’t have found a better loan officer, that is for sure! She helped us get the best rates, made the complete process smooth and explained every single details. As first time homeowners we were a little stressed but it all went away the first time we spoke with Ruby! Really couldn’t have asked for anything better.
Thanks to Ruby and team and HarborOne!!!"


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Naghmeh

Ruby was very knowledgeable and answered all my financial questions. Thank you and I hope to do more business with you in future.


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Amelia

It was a stress free experience and the mortgage loan office Ruby, was very knowledgeable and helped me step by step and took the time to explain things to a level I could understand and that I appreciate very much.


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Ashley and Andrew

Ruby was great. This was our first time refinancing. She thoroughly explained all the details of the loan, and answered any and all questions we had in a timely manner. Even after we closed, she was still available to answer questions!


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Mark and Margaret

"Ruby Santos answered all my questions immediately and everything went smoothly and I received a great rate. I will definitely be giving Ruby's name to people I know. She's the BEST.
Thank you "


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It has been a pleasure working with HarborOne. Ruby and Randell are incredible and always guide us through the entire process. I highly recommend them! - Jacqueline
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