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Meet Our Team
Ruby Grynberg
NMLS# 92631

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.

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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.

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Jessica Marshall
NMLS# 184830

Loan Officer

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Phone: (206) 557-7409
Fax: (206) 260-1355
Email:

When it comes to buying your first home or refinancing into a loan more suited to your changing needs, there are few things more important than confidence that you’re making the right decision for you. Navigating the ever-evolving mortgage industry can be extremely challenging, even for those working in the field every day. Jessica joined the Salmon Bay team to help bridge that gap and ensure that the process is as simple and transparent as possible.


After finishing her BA at Stanford University she came back to the Pacific NW and began her career in the mortgage industry with one of the nation’s largest lenders. The experience gained over five years in finance and mortgage provided the perfect foundation for her transition to Salmon Bay Community Lending.

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Kim Toskey
NMLS# 184361

Loan Officer

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Phone: (206) 557-7412
Fax: (206) 260-1355
Email: kim@salmonbaylending.com

Kim Toskey is a Washington State Housing and Finance Commision Premier Partner, and has maintained this status since its inception. Kim has helped more than 1,500 families along their paths to homeownership through her commitment to educating her clients. She helps buyers understand the home loan process and assists them with budgeting and formulating long term financial goals.


Kim partners with local non-profit organizations to teach homebuyers’ education classes and is an expert in the fields of credit building and down-payment assistance. Through her volunteering with national and local organizations and spearheading professional collaboration, Kim strives to facilitate financial literacy and equal access to homeownership.


Kim serves on the board of directors for the Washington Homeownership Resource Center and is excited to be part of the leadership guiding this vital information resource through these times of change. Kim Toskey has been recognized by FannieMae and the Washington State Housing Finance Commission for her outstanding achievements.

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Adam Criswell
NLMS# 1189863

Loan Officer

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
Heather Wischmann
Loan Processor

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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.

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Kate Knappert
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