Your Mortgage. Made Easy.

The Keys Financial Mortgage Team is your premier mortgage team located in Key West, Florida. Our mission is to provide you with the resources and competitive pricing of the best and largest lenders, delivered with the personal service and attention to detail. Our goal is to deliver the lowest pricing and highest service possible to ensure your loyalty and referrals for many years to come.


We will help you find the right financing solutions to meet your needs.

Today's Rates

We homeowners determine the right time to purchase or to refinance.


We can help you lower your interest rate and lower your monthly payment.

Ask an Expert

If you have any mortgage related questions, we have the answers.

What are you waiting for?

Getting started is easy. We offer very competitive rates, have great service, and always close on time.

Local Loan Options

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

FHA Loans

Home Refinance Loans

VA Loans

Jumbo Home Loans

Conventional Loans

Home Purchase Loans

What our clients are saying

  • You hear a lot when you’re a first time home buyer that the process is going to be confusing and a total whirlwind when navigating the financial side of things.... read more

    thumb Ren Ray

    30 plus years buying commercial real estate and this was my 1st residential purchase. The team at Keys Financial were beyond expectations! The knowledge and communication skills far exceeded any... read more

    thumb Av8torak

    Working with Keys Financial was an absolute pleasure. The process was very efficient and the communication was excellent from beginning to end. I highly recommend working with Ruben and Leslie.

    thumb Laz Hernandez
  • I have used Ruben's services multiple times on multiple properties. He is responsive, knowledgeable and professional. All transactions have been seamless, and I would not hesitate to use... read more

    thumb Donald Barrett

    Reuben is not only very knowledgeable but he is proactive and helped me more then any other brokers in the keys would. He did the "homework" on a property no... read more

    thumb Daniel Di Massa

    Wow what help this group was during our financing? Great communication throughout and I really felt they were working for me!

    thumb Rob Tudor
  • From our first conversation Reuben made it clear what to expect and easy to get together the info he needed. He was quick o answer questions at any step of... read more

    thumb Sam McCroskey

    Great rates, Great service. What they promised, they delivered.

    thumb Michael deBettencourt

    Ruben and his team has always been helpful to us and getting our home refinanced and at a lower rate! His team is consistent and very conscientious about staying... read more

    thumb Nancy Sermons
  • Absolutely the BEST. Ruben went out of his way to make sure we understood everything and that everything went smoothly. Every question answered. Kept us totally informed.

    thumb Bob Slitzan

    Great service and very friendly personality. Highly recommend!

    thumb Olesya Marshall