Your Best Friend in The Mortgage Industry

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!

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!

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!