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Meet Our Team
Ruby Grynberg
NMLS# 92613

Branch Manager, Loan Officer

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Cell: (206) 214-5575
Email:

Ruby started the University of Washington at age 15 and has been on a high-achievement track ever since. With a degree in Social Work specializing in Mental Health and a love of math, the stress and complexity of the mortgage industry is an oddly perfect fit. After working as a loan processor and loan officer for several years at both brokerages and banks, Ruby founded Salmon Bay Community Lending in 2005. Since then, Ruby has grown Salmon Bay to be a flourishing mortgage bank in the heart of Ballard.


Ruby is active in her communities both professionally and personally. As former Co-Chair of the Government Affairs Committee for WAMP, she's determined to help shape the future of the industry and looks for every opportunity to bring people together to influence the policies that impact the mortgage industry. Her 4 sons keep her running by day and her love of tango keeps her dancing when the sun goes down.

Ruby Grynberg Photo
Jeanne Neal
NMLS# 94009

Loan Officer

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Cell: (206) 200-8773
Fax: (206) 299-4770
Email:

Jeanne has 15 years experience in mortgage banking. Her BS in Finance from the University of Oregon and MA in Teaching from the University of Alaska are obvious assets in a job that involves helping people do the important math. “Even experienced homebuyers can find it daunting to compare lenders, loans, and costs,” Jeanne says. “Part of my job is help people make sense of their options and secure a mortgage that’s going to work for them today and down the road.” As for job satisfaction, she adds, “There’s nothing I enjoy more than telling a client that they’ve just been approved for their dream home.”


Jeanne likes to stay in motion, so the upbeat tempo at Salmon Bay suits her perfectly. She enjoys kayaking with her 11-year-old daughter and is a volunteer for the Sierra Club’s Inner City Outings, a community outreach program that facilitates nature activities for urban youth and adults.

Jeanne Neal Photo


Adam Criswell
NLMS# 1189863

Loan Officer

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Phone: (206) 557-7403
Fax: (206) 260-1355
Email:

Born and raised just outside of Monroe, WA., Adam studied Public Relations at Central Washington University. He started his mortgage career in December of 2005 with Wells Fargo Home Mortgage as a customer service representative, answering basic questions. In just 10 months he moved to a position as a Sales Associate, over-seeing the entire loan process from start to finish for all accounts in the greater Seattle area but he never really left the customer service mind-set behind; ensuring that people have a positive experience and enjoy themselves has always been a cornerstone of Adam’s work ethic. Just because it’s work doesn’t mean it shouldn’t be fun.


After 4 years in mortgage sales Adam made the transition to Home Loan Modifications within Wells Fargo with a goal of helping home owners in desperate situations find comfort and ultimately work towards keep their home. He spent a year helping home owners with loan modifications before starting at Salmon Bay Community Lending and after 2 and a half years processing made the big step to get licensed as a Mortgage Loan Originator. He brings vigor and a certain je ne sais quoi to the office. In his spare time he enjoys photography and cooking (sometimes together) and playing with his dog, Spider-man.

Adam Criswell Photo


Rebecca Ripley Kent
NMLS# 1130643

Loan Officer

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Phone: (206) 557-7410
Fax: (206) 260-1355
Email: rebecca@salmonbaylending.com

Rebecca earned her undergrad from Washington State University in Business Administration with an emphasis in Management at the age of 21. She has also taken course work for her Masters of Business Administration specializing in Leadership.


With over 15 years’ experience in mortgage and consumer lending in all roles, Rebecca brings a unique skill set and perspective to the home buying process. She is especially focused on finding the best solution for her borrower’s needs.


She has owned many homes herself and been a landlord. The purchase of a property is an investment as well as a home. Being the daughter of teachers and passionate about helping everyone realize the dream of homeownership, her clients enjoy her "teaching" approach to the lending process. She believes in providing borrowers the information that they need to make an informed decision about the largest asset they will own.


Rebecca came to Salmon Bay after spending a couple of years working for a non-profit. Early in her mortgage career she worked primarily with real estate investors and high net worth borrowers. While at the non-profit she worked exclusively with low to moderate income individuals and families, structuring multiple sources of funds to help them make home ownership a reality.


She is a native of the Seattle area, who ran away to Colorado for a few years—where her son was born and she adopted her beloved gold retriever.

Rebecca Ripley Kent Photo


Sara Lerner
NMLS# 1500667

Loan Officer

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Phone: (206) 851-2670
Fax: (206) 260-1355
Email: sara@salmonbaylending.com

After many years as a Seattle radio journalist, Sara has made her grand return to mortgage banking. She grew up in the industry, working for her dad’s small company outside Kansas City, Missouri as a teenager. Post-college at the University of Wisconsin-Madison, she returned as a loan originator and company Vice President. She and her family saw the unsavory practices of some of their peers during those pre-recession years and prided themselves in offering fair and honest services to their community.


Now, Sara says it’s a relief to return to a changed industry. “There’s no more room for the bad guys. There’s more accountability, which may add to my workload, but I love it. It’s for all the right reasons.” She says she wouldn’t even be in finance again if it weren’t for Salmon Bay Community Lending and Ruby Grynberg. Sara jumped at the opportunity to work with her. “When I first met Ruby in 2006, I recognized her approach to mortgage banking. She is the Loan Officer I hoped I was: thorough, authentic, savvy, and honest. And she’s somehow managed to build an entire company of such individuals who also happen to be hilarious and wonderful people.”


Sara can still be found around the Seattle area with her microphone and headphones, as she continues to produce freelance radio pieces for local and national outlets.

Sara Lerner Photo


Heather Wischmann
Loan Processor

Phone: (206) 557-7414
Fax: (206) 260-1355
Email: heather@salmonbaylending.com

Born and raised in North Seattle, Heather is a native to the Emerald city. She launched her career into the mortgage industry at small brokerage on Eastlake, where she started out in sales. A love for underwriting and processing was developed and she moved on to much larger firms like Bank of America and Wells Fargo home loans.


Heather’s passion to try new things eventually brought her to the hospitality management industry where she operated a Las Vegas hotel, before returning to the great northwest to once again do what she loved.


Heather is quite versatile in all facets of the industry and brings 10 years of experience, playful wit, a love of people, and rock solid dedication. She enjoys spending time with family, camping, snowboarding, being a Seahawk season ticket holder and all things outdoors.

Heather Wischmann Photo


Justin Schramm
Junior Processor

Phone: (206) 557-7411
Fax: (206) 260-1355
Email: justin@salmonbaylending.com

Justin Schramm was born and raised right here in Ballard where he attended the local high school. Following Ballard High, Justin went on to Shoreline Community College to study Criminal Justice and Performance Arts/Digital Film. Justin’s passion for people led him to a job at a local grocery store where he had the opportunity to help the community he grew up in and excel in corporate level customer service. Justin joined our team in early 2015 as Junior Processor and enjoys learning all aspects of the mortgage industry.


Justin also enjoys camping, Sunday night football, drinking copious amounts of wine, spontaneous 'get as far away from the city as possible' weekends and exploring all of the Pacific Northwest hiking trails with his daughter and wife.

Justin Schramm Photo


Kate Knappert
NMLS# 1484653

Director of Compliance and Development

Phone: (206) 557-7402
Fax: (206) 260-1355
Email:

After graduating from the University of Washington, Kate joined Salmon Bay to keep the office running while everyone else helps people finance their homes. Driven by an innate curiosity, Kate has found the mortgage industry to be a complex and intriguing beast. The mixture of professionalism and whimsy at Salmon Bay suits Kate just right. In addition, it helps make her job that much more compelling. As the company has grown, Kate's role has evolved and she now manages the compliance arm of Salmon Bay while working with Ruby on growing the company in new and exciting ways.


A Seattle native, Kate would move into Pike Place Market if she could. She enjoys the snow as much as the sun, can never see too much theatre, eat at too many restaurants, or do too much aerial.

Kate Knappert Photo