Hi, I’m Ruben, based in Santa Barbara, CA. For over 23 years, I’ve been helping people finance their dream homes, whether they’re homes to live in or investment properties requiring strategic financing. I give my clients clarity about their options, helping them understand the pros and cons of each program. Whether they’re purchasing, refinancing, or doing nothing at all, providing the right information is what energizes me!

For my current and future business partners, I make sure you’re kept updated at every step of the transaction. If you refer your client to me, my work becomes an extension of you. You can set it and forget it, knowing your client is in good hands. I treat each client the way I like to be treated – with integrity and professionalism. I look forward to working with you as part of America’s #1 Retail Mortgage Lender.