Shikma Rubin, Mortgage Advisor, NMLS ID #1114873 Eden Way, Chesapeake

What? I’m not allowed to give MORE than 5 stars?!? Shikma was phenomenal to work with, I give her my strongest recommendation. I’ve already recommended her to several coworkers and will continue doing so. Her and her team at Tidewater were exceptional. This was the fourth house we’ve bought, so it was the fourth time we’ve been through the (usually painful) mortgage process. But this time I can say it was the least painful and by far the quickest and smoothest process. You won’t go wrong if you call Shikma!

Shikma was the best we could have asked for during our first homebuying experience! She was extremely knowledgeable, patient in answering our questions, and always advocating for the best outcome for us. We always felt confident that we were taken care of and that we could always reach out with any questions! She made the experience smooth and fun!

Shikma was WONDERFUL to work with! She was incredibly responsive and patient - as first time home buyers, we had A LOT of questions. I did not realize how often we would need to communicate with our lender - with that being said, you want to make sure you choose someone who 1) does a good job of course, 2) is easy to communicate with and 3) very important, is your advocate. Shikma is all of these things and more. She was always 3 steps ahead and it was very clear she always had our best interest in mind. Cannot say enough good things about Shikma and our experience working with her!

My wife and I recently purchased a home and were referred to Shikma through our realtor. We both couldn’t have been happier with our experience as Shikma helped us get the best mortgage rate possible. She was available to answer our questions or concerns in a timely manner and made a stressful situation that much easier. We both would highly recommend Shikma for any mortgage needs and are thankful we were lucky enough to work with her.

It was absolutely wonderful working with Shikma! She went above and beyond to ensure that I was as knowledgeable as possible as a first time home buyer. Shikma worked to get the best rate and kept me up to speed throughout each step of the process. She was attentive, insightful, and an all around professional! I would not hesitate to recommend Shikma Rubin and Tidewaters Home Funding's services!

Applying for mortgage is never going to be a pleasure but Shikma makes it very close. She obviously cares about her clients and enjoys the job. She is always available to answer questions competently, down to the math details, and to help in the home purchase process. Almost had me believe I understood the whole thing - I certainly know whom to ask should I need mortgage advice again.

Shikma was truly a pleasure to work with on our home refinance. She was able to answer all our questions, address our concerns and provided exceptional customer service and caring. Even with being forced to remotely consult with the pandemic she was able to exceed all our expectations and deliver a superior product. Thank you Shikma for all you do!

Shikma was incredible to us throughout our purchase experience. She was extremely knowledgeable, kind to us, and a fantastic communicator. Her professionalism was second-to-none and her willingness to work with even during non-traditional business hours was amazing. Do yourself a favor and be her client. You will not regret it.

Shikma is responsible for helping me make one of my biggest dreams of buying a house come true! From the moment of meeting her she was so kind, professional and knowledgeable. She was always so patient and explained everything to me in a way that I could comprehend and she was ALWAYS available. She showed me how to best prepare for buying a house and was there with me till the very end! I never felt confused or rushed when working with Shikma and I am forever thankful for all the help and work she has put in for me. I hope to work with her again in the future and would recommend her to EVERYONE!

I feel there are no coincedences in this world. This belief was validated when I recieved Shikma Rubin's contact information with Tidewater Funding from my real estate agent. I gave Shikma a call regarding the potential of purchasing a home in the near feature. At this point, it was a wish, prayer, and dream that could own my home. Shikma was gracious enough to provide me with information and provided me with hope that in a few months we can start the morgatage process. I touched base with Shikma over the next 6 months just to chat about where I was in terms of developing credit to meet the amazing programs that she was offering for teachers. I know Shikma was busy but she always took the time to chat, and/or send an email which made me feel that she was vested in my goal of purchasing a home. Almost, a year later, we started the loan process. This was not the easiest loan and the turn around for approval needed meet an extremley unrealistic deadline. If the loan did not close on the 28th of the month than I was unable to purchase the home. Shikma made this happen!! The Real Estate Market is HOT and so many professionals in mortgage business are inandadted with tons of clients. However, Shikma was able to ensure that within less than 30 days my loan was processed. Shikma answered my phone calls, texts, and emails even off hours to calm my nerves, guide, and explained everything I needed to know to ensure I was comfortable. Not only did Shikma do all of this for me over a year and half but, in addition, ensured that I recieved the best deal possible!!! Can you believe a 2.25% interest rate? It was NOT a coincedence that I met Shikma Rubin. She was a God send and for that, I am forever grateful.