Ruben Concepcion » Staff

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).

Relevant affiliations:

• Florida Association of Mortgage Professionals
• National Association of Mortgage Brokers
• Key West Association of Realtors