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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
Kim Toskey
NMLS# 184361

Loan Officer

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

Kim Toskey has been recognized as a Premier Partner with the Washington State Housing Finance Commission since 2005. For the past 15+ years, Kim has helped more than 1,500 families along their journey to home ownership. With her tireless commitment to educating her clients, she helps buyers understand the complicated lending process and teaches them how to succeed through adversity. With particular proficiency in serving clients with disabilities and/or low incomes, Kim expertly navigates difficult loans while providing critical assistance to challenged families. For this work in particular, Fannie Mae has recognized Kim for her Outstanding Achievement. Recently, Kim was quoted by Fannie Mae regarding the role of Community Land Trusts in building affordable homeownership opportunities for families across the country.


By partnering with local non-profits, Kim teaches homebuyer’s education and readiness classes; she helps buyers understand credit scoring and specialized down-payment assistance programs. Striving to create financial literacy and equal-access homeownership, she has forged relationships with statewide and national organizations with similar vision. Kim has served as a Director for the Washington Homeownership Resource Center for the past 10 years, including three years as Past President, helping to support both pre-purchase and post-purchase Washingtonians in their quest for sustainable, affordable homeownership. She consistently focuses on creating a collaborative, professional environment to spur change.


In recent years, Kim has formed a team of like-minded loan officers who want to work with first time homebuyers and learn more about the varied options and layers for down-payment assistance. Now with three licensed loan officers and a marketing assistant, Kim’s Team is able to serve many more families with genuine care and a problem-solving approach to homeownership.

Kim Toskey Photo
Regina Jones
NMLS# 1055928

Loan Officer

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

Regina has been working in the lending and real estate market for more than 20 years and understands the process from multiple perspectives. With thorough knowledge of the housing market, she has helped countless families into homeownership. Regina is thoughtful in her approach with her customers and loves to teach as she goes while setting clear expectations.

Aside from her professional prowess, Regina is a competitive bowler and a youth athletics coach of more than 15 years. She is patient and savvy, working tirelessly to help you achieve your goal of homeownership. You can reach Regina directly at Regina@salmonbaylending.com or 206-557-7407.

Regina Jones Photo
Garbo Grossman
NMLS# 1419418

Loan Officer

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Phone: (206) 557-7406
Fax: (206) 260-1355
Email: garbo@salmonbaylending.com

Garbo Grossman comes to Salmon Bay from the nonprofit world, working for over 3 years at the local affordable homeownership organization, Homestead CLT. She brings with her a breadth of knowledge about a first time home buyer programs and down payment assistance options. She is a HUD-certified housing counselor and serves on the board of directors of the Washington Homeownership Resource Center.


Committed to the local community, Salmon Bay was a natural fit for Garbo. She is dedicated to ensuring a smooth lending process and open communication along the way. She strives to collaborate with clients, helping them find the best way forward and clearly explaining the technical aspects of their loan. She excited to be the newest contribution to Kim Toskey’s team.


In her spare time, you can find her running in the city parks’ trails, cooking big dinners with friends, and searching for the best pizza place in Seattle.

Garbo Grossman 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
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
Melanie Warren
Business Development Manager

Phone: (206) 557-7408
Fax: (206) 260-1355
Email: melanie@salmonbaylending.com

Melanie joins Salmon Bay Community Lending as our Business Development Manager. With a BA from the University of Washington she is a local resident who adores her Ballard neighborhood. A motivated and strategic thinker, Melanie has over 15 years of experience defining and implementing the types of programs and processes that set up strong foundations for growth and success. She has a talent for partnering with cross-functional teams, engaging colleagues and delivering a wide variety of effective business operations initiatives. Her reputation for jumping in and getting things done comes in handy, both professionally and personally.


Melanie’s passion is the work place is matched by her love of theater and ballet, and adoration of her two girls and husband of over a decade. She gladly accepts flowers after a tiring performance, and she can be seen gliding across the stage in local productions.


Melanie Warren Photo
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
Leslie Ulrich
Office Assistant

Phone: (206) 557-7400
Fax: (206) 260-1355
Email: leslie@salmonbaylending.com

Leslie joined Salmon Bay in 2015 as both Ruby’s assistant and the new face at the front desk. A visual artist by training, Leslie received her MFA from University of Washington. Her work has been installed in several places, including the Ballard Blowing Sands Gallery. Her recent series, Patch Worked, involves bringing together various disparate pieces to create a new whole. These pieces resonate with her role at Salmon Bay as she works on multiple projects to help create a whole and welcoming experience for all of our clients.


A Midwest native, Leslie has spent time all over the planet traveling with family. Having settled in Ballard recently she enjoys taking advantage of all the region has to offer, including mountain biking and snowboarding with her husband and two children.

Leslie Ulrich Photo