Your Best Friend in The Mortgage Industry

Knowledgeable, Helpful, Answers all our questions, Responds promptly and Always a pleasure to see. Thank you again for all your help!

Ruben was magnificent from start to finish. From the very beginning his approach was very definitive and simple to complete the documents that were needed for a positive outcome. Ruben... read more was even at the closing to answer any questions we had. I highly recommend his services, which I have done many times prior to helping me.

Ruben Conception helped me through a complicated financing and made it seem like a breeze! I highly recommend this company!

Ruben was amazing throughout the entire process. He was very communicative and responsive to each and every question. I definitely recommend Ruben’s services. What more can I say - he’s... read more the BEST in Key West!

Ruben is the very best! He genuinely cares about his clients, is always looking out for the best rate available for the Buyer. His meticulous attention to detail... read more is unsurpassed. Even before the "Buyer" is quite ready to purchase, Ruben is there (even on weekends & nights) to get the "Pre-Qual. or Pre-Approval Letter for you! Many, many yrs. of expertise will allow your Buyer to have a stress-free transaction. Communication skills are excellent. Ruben is providing an update even before you ask! It is a "smooth ride" with Ruben in the driver's seat!

Ruben is the very best! He genuinely cares about his clients, is always looking out for the best rate available for the Buyer. His meticulous attention to detail... read more is unsurpassed. Even before the "Buyer" is quite ready to purchase, Ruben is there (even on weekends & nights) to get the "Pre-Qual. or Pre-Approval Letter for you! Many, many yrs. of expertise will allow your Buyer to have a stress-free transaction. Communication skills are excellent. Ruben is providing an update even before you ask! It is a "smooth ride" with Ruben in the driver's seat!

As always Keys Financial offered great Buyer client service. Transparent and timely communication with the new homeowners, our firm and closing attorney. My Buyers were very happy to have... read more someone local that was able to meet in person and that also knows the Keys market. Very responsive and helpful with explaining loan options to new purchasers. Thank you for helping them purchase their new home in paradise after renting seasonally for so many years!

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 In the case of my spouse and I, our experience couldn’t have been further from that, and that’s in huge part due to how fantastic Ruben and Keys Financial Mortgage were in our home buying process. The moment we got off the phone after our initial consultation we knew from how personable, transparent, and knowledgeable Ruben was that he was the right choice. The other two mortgage originators we had spoken with threw a lot of numbers and terminology at us, but Ruben took the time to really spell things out clearly and concisely. He was able to answer any questions we had with seasoned expertise and in a way that made things easy to comprehend. It can genuinely be nerve wracking to make an investment like this for the first time and Ruben helped us keep our expectations realistic and our decisions well informed. Once we started looking for our dream home we felt confident that we were set up for success and four home tours and one accepted offer later, we were buying that very dream house! Even in a crazy market, we felt like we were getting the best guidance and advice possible from Ruben and it certainly paid off. We could not recommend Ruben and Keys Financial Mortgage more highly, it was truly a pleasure working with him and his team!

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 transaction I have personally been involved with. They represented us and supported our interests far above what was ever expected. They were our fiscal warriors guiding us thru this process always having our family’s best interest at heart! So thankful this team we’re representing us and we will for ever be thankful.