Ruben ConcepcionLoan Originator NMLS #271193
Creating lifelong clients and relationships! Extensive knowledge and experience in all forms of financing. I assist with mortgages for buyers of primary residences, vacation homes, and rental properties. I also help homeowners refinance existing mortgages to reduce cost, consolidate debt, or extract equity when needed.
We have a unique position in this industry, to be able to compete with the nation’s largest lenders, while delivering our services with the more personal and flexible approach of a small business.
Founder of Keys Financial Mortgage in 1998. Prior banking career with comprehensive experience in all facets of commercial and consumer credit.
University of Florida -1988 Finance Degree (Honors Graduate).
- Florida Association of Mortgage Professionals
- National Association of Mortgage Brokers
- Key West Association of Realtors