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She opened the Winston Salem branch of Fairway Independent Mortgage with her business partner, Bill Reynolds, in 2007. Ruth and Bill now have branches in Greensboro, Fayetteville, Pinehurst, and Jacksonville, and serve as the in-house mortgage lender for Members Credit Unions across North Carolina.

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A representative example of the total cost of the loan, including all applicable fees is as follows (THE FOLLOWING IS AN EXAMPLE AND IS NOT AN OFFER OF CREDIT): $1,500 loan, loan fee, and monthly payments of $97.82 for 20 months which results in an annual percentage rate of 32.1%. In this example, the total amount paid to Time Financing.

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