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 Ruben Garmyn - Broker / Owner Ruben has been serving the real estate needs of Central Oregon since 1994. He started with Coldwell Banker, after which he became the Top Producer with Century 21 and RE/MAX.
Ruben brings to real estate his knowledge in architecture, which he studied in Belgium, and his extensive experience in marketing.
After a 4 year stint in the Navy as a weapon technician and 4 years as a Police Officer Ruben owned and operated several successful businesses including 2 restaurants,a cheese & wine store and a cookie bakery in Los Angeles.
Ruben joined the RE/MAX system in 1998. In his second year he became a member of the RE/MAX "Platinum Club", the top 1% agents in the nation. On January 1, 2002 he opened his own office with Jim - Prudential High Desert Realty. Team Birtola-Garmyn ranks #1 in Oregon with Prudential and they have constantly ranked in the Top 3 Prudential Teams in the USA! Ruben looks forward to another BANNER YEAR.
Ruben is also a Oregon Principal Broker, ABR Accredited Buyer Specialist, GRI Graduate of the Real Estate Institute, CRS Certified Residential Specialist, e-PRO Internet Professional and a CDPE Certified Distressed Property Expert.
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Jim Birtola - Broker / Owner A native of California, Jim moved to Central Oregon in 1990 for a career change. Jim worked in the "fast lane" of Silicon Valley for 13 years as a Software Engineer and Engineering Manager. These skills have kept Jim on the leading edge of the new Real Estate technology trends and supplied him with the priceless people skills needed in today's Real Estate arena! As a Central Oregon homeowner since 1990, Jim has been involved with community activities including Sunriver Area Chamber Director and Rotary President for 2001-2002 term.
Jim is ranked in the top 1% of all brokers nationally. He holds the two prestigious designations of Certified Residential Specialist (CRS) and is a Graduate of the Real Estate Institute (GRI).
Jim's hobbies include Martial Arts (Jim is a black belt in Tae Kwon Do), music, skiing, boating/fishing and marine aquariums.
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First Time Buyers >Choosing A Lender
When you are buying a new home or refinancing your present one, it is wise to do some comparison shopping among lenders. A low interest rate isn't the only criterion by which to evaluate a loan. You should also consider the terms of the mortgage, what your closing costs will be and the reputation of the lender.
Real estate agents are a good source of information about loans and lenders, whether you are buying a home or just refinancing your present home. We routinely assist buyers when they need a mortgage in order to purchase a home. We know what loan packages are available and the qualifying requirements. The companies with the lowest rates sometimes have very conservative underwriting guidelines, and may not be willing to make loans on certain types of property or to buyers who are marginally qualified. We can tell you which companies and loan officers will go the extra mile to provide excellent service to make sure that the transaction closes.
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Which city in the U.S. has the longest formal name, but the shortest abbreviated name?
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| A |
El Pueblo de Nuestra Senora la Reina de los Angeles de la Porciuncula is the full name for Los Angeles, known as "LA". |
 See More Real Estate Trivia > |
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- NUMBER1EXPERTS™ 
