"Ruben was amazing and always kept me informed and answered my questions. I would recommend Ruben Concepcion and Keys Financial Mortgage to a relative or a friend!" -  A. Cella


"I enjoyed the ease of service most of all in working with Ruben and Keys Financial Mortgage ! His service is great ! This was not my first loan with Ruben and it will not be my last !" -  D. Goldner


"Ruben & Karen have made the mortgage and refinance process easy.  I appreciated doing all of the application online and submitting information through the secure portal." -  Dan Sabino


"The process was fast, accurate, and professional.  Enjoyed the milestone videos explaining what was coming next.  Thank you guys!  It was painless! -  Araceli Walterson


"Ruben is awesome!" - Sheri Grabus


"Professional, efficient, organized, detail-oriented, & responsive.  We are so grateful for Ruben & Karen."  - Lana & Marc Garpari


"Ruben and Karen were great to work with!  Very helpful with the entire process!  Ruben & Karen made things so much easier for us through the entire process.  We will definitely use again in the future!" - Tony & Jen VerMeer


"Personal communication (liked most).  Glad we got to meet everyone in person.  Very helpful and efficient.  Loved working with Ruben - he'll get everything done."  -  Beth & Greg Trost


"Always quickly responds to any questions or concerns.  Thank you for your patience and helping us save several thousand dollars a year on our mortgage payments."  - Ann M. Aktabowski


"No suggestions - very pleased!  Excellent communication and service.  Thank you Ruben & Karen!  TOP NOTCH!  -  Danny & Carrie Payne


"Ruben is top-notch when it comes to home financing.  The process is simple and streamlined without surprises, and Ruben is always available to answer questions at any time.  I have done business with him several times in the past, and will continue to do so if the need arises.  I highly recommend Ruben."  -  Michael Seiler


Suggestions for improving our services? "None - most professional service anyone can receive."

Liked Most? "Professionalism -clear understanding of process.  Our third mortgage with Ruben.  I would do business again and refer anyone to him.   -   Mark Gambuzza


"Quick responses to our emails.  This was our 3rd time working with Keys Financial and can't wait for #4!"  -   Mark & Rocio Lindback


"Ruben & Karen both make it as simple as possible, and make you feel extremely confident in the whole process" -  Jenni Konrad


"Friendly, nice, informative, and on top of procedures"  -  Dan & Cindy Urban


"Great communication!  Thanks for making the whole process painless!" -  Hindley Williams


"I have had a mortgage and a refinance completed by Ruben, and have recommended him to friends for many years.  Ruben provided very personalized service, while saving me time and money.  He helped guide me through the sometimes frustrating steps that underwriters demand.  He takes time to explain the options and choices in a professional yet friendly manner.  I am confident in recommending Keys Financial to others."   - E. William Goldner, DDS


"Keys Financial was able to get us prequalified and successfully closed all within 30 days.  Keys Financial is outstanding!" - Stephen and Vickie Datzman


"Ruben Concepcion was the most efficient, kind, professional, and helpful person to work with.  Thank you Ruben!" - Constance Taverner


"Ruben was always available to answer questions, even beyond just the mortgage.  I even got a phone call to congratulate me!" - Ann Hoffman


"Ruben was extremely easy to work with and made me feel comfortable asking questions even when I felt my questions were silly.  He was always kind and quick to respond.  Thank you so much for your help, Ruben.  Keep up the great work!"  -    Jordan N. Cress Morrison


"Keys Financial listens!" - Jack Agnew


"No surprises.  Everything was smooth and as advertised.  I liked the electronic document signing so I knew where were were in the process." - Dan Sabino


"Informed through the entire process!  Great Service!  Thanks again for everything.  You made the entire process easy." - Chris Peevy


"Extremely responsive and helpful!  Answered all of my questions promptly and kept the process on track.  Excellent service and exceedingly positive experience" - Geoff Anthony


"Everything was perfect!  The way Ruben explained every single aspect in such detail so we understood everything.  He answered all of our questions so well & quickly no matter how small they were or how many we asked!  We really want to express our gratitude to both Ruben and Karen Rouswell.  We refinanced (our primary home) and also applied for a new investment property loan within a 4 month period.  Everything was so smooth and they really took the time to help work through all of the details with clarity & ease.  Thanks again!! - Michael & Casey Internicola


"Easy line of communication, always available to answer questions, fast responses.  Thank you again for everything!  We will for sure use you on our next home purchase! - John & Kayla Cathey


"Karen & Ruben made our experience easy!  We hadn't purchased a home in over 20 years, so a lot of the processes were new to us.  Our son, Marc, recommended Ruben to us and we're glad he did! -  Jane & Aldo Gaspari


"Ruben & Karen were patient and kind and kept me up to date.  Very professional and knowledgeable! - Judith Searcy


"You guys are awesome!  Quick response to questions.  You did what it takes to get our loan closed."  -  Mark Tischler


"I really liked working with them because of the patience they had in explaining every detail and answering any questions I had in regards to the loan.  They are the best!  -  Rosycela Morales


"You guys are really awesome to work with.  I miss you guys.  I'm going to buy another just so I can work you all again. Lol." - Angelo Bencivenga


"I feel I can trust them 100%.  Thank you so much for always making me feel that you care about my best interest."  - Luz Armendariz 


"The service could not have been better.  We were informed of our status throughout the process.  We were very impressed with Karen and Ruben.  We will certainly recommend them in the future." - Celeste Cummings & Chris Genova


"Friendly.  Put people at ease.  Good follow up.  Good contacts to get the job done."  - Mike deBettencourt


"Kind, knowledgeable, and open communication"  -  Alexis Hopkins


"Ruben explains everything with extraordinary patience.  Exceptional service.  Ruben and Karen were always accessible.  They kept me on track and were very patient throughout the process."  - Barbara Hayo


"Buying 1500 miles away from Key West, Keys Financial kept me fully informed and I felt confident with the service.  They took care of me!  Keys Financial is a top rate service.  I have completed many mortgages over the years."  - Daniel Heffernan


"You are top notch....why change a good thing?  Thank you for another successful mortgage experience". - Michael Seiler


"Ruben was well informed, quick to respond, provided outstanding service" - Wendy French


"It was perfect!  Easy communication.  You guys always got right back to me to answer any questions.  Ruben and Karen, you guys are the best!  Thank you for such a wonderful experience." - Michal & Jolene Zajicek


" Correspondence was impeccable.  Always emailed and returned calls in a very timely manner.  Tim and I were very pleased with the services you have provided.  You have educated us and always kept us up to date.  Also, we are so happy with the way you and Karen helped us with finding the correct mortgage program that would suit us.  We appreciate all you have done." -  Jacki Van Omen


"I was welcomed and encouraged to ask questions.  I will be sending friends and family to inquire about their options for a mortgage." - Luz Armendariz


"Fast, convenient, friendly service by Ruben & Karen.  We refinanced an existing loan.  The service was incredibly fast, friendly, and efficient compared to dealing with our bank/original lender." - Mary Alley-Draper


"Personalized service and quick responses made me feel like I was the most important customer.  I have dealt with several banks and financial agencies over the years and Keys Financial was the easiest to work with and they have the most personable and caring people." - Karen Sensenbrenner


"Your patience in explaining everything to me over the phone.  It took a while.  Thanks.  I appreciate it!" - Mike Kane


"The promptness of the information and friendly service" - Brad & Cathie Gottschalk


"Great customer service!!  Friendly staff.  Always ready to help with any questions."  - Lynda Bowes


"Everything was perfect!!  Easy to use and very efficient!! My experience with Keys Financial was outstanding!!  I could not imagine a better transaction" - Gary Schaffer


"Ruben & Karen were always friendly to speak with.  I highly recommend using Keys Financial" - Mike Nagy


"Ruben & Karen is what I liked most.  Pleasant to work with throughout the entire process! - Sarah Brady

"You are doing an excellent service.  Many Thanks.  The kindness and consideration in all respects.  Awesome service.  Made you feel like part of the family!  So totally grateful for all you did.  I feel truly blessed from this experience!  Thank you sincerely!!  - Douglas R. Chase


"Everything was perfect!  Keys Financial never stops working.  After working hours and on weekends, they always responded to my emails, phone calls, and texts" - Miguel Otero


"Professional, friendly service.  We feel as if we don't have to worry - Ruben has our best interest at heart and will take care of everything.  Ruben spells out everything in black and white to the non-"mortgage" person.  We fell as if we were better educated into this process.  He is on top everything and is prompt to respond to every inquiry." - Mark & Dina Gambuzza


"All went very well.  The courtesy and professional service by Karen & Ruben - outstanding!  I have given your name to several people already.  I have several future leads and will recommend your services."  - Lawrence G. Boyts


"Service was excellent!  Very organized!  Always answered my questions right away." - Petra Morum


"(What I liked most was) Ruben taking the time to explain everything.  Thanks Ruben!" -  Sarah Evans