(772) 530-6192

your supreme lending vero beach team

Chris and  Tracy Ruby - Hometown Heroes
mortgage loan experts

customized solutions for all your mortgage needs


With a wide variety of loan program to choose from, we’ll help you find a home loan for your financing needs

your application

Our dynamic in-house processing & underwriting teams work together to prepare your home loan application for closing

loan funding

Our fantastic in-house Closing Department works quickly to fund and close your home loan on schedule.

who we are

YOUR VERO BEACH team  at supreme lending

the core team mortgage lender

Chris and Tracy Ruby have combined experience of over 25 years in financing on the Treasure Coast of Florida.  Being a veteran himself, Chris specializes in VA mortgages along with FHA, Conventional, Jumbo, 95% Condominium financing, and Unique Portfolio Programs. Often working evening & weekends, Chris and Tracy are available to answer all of your questions and concerns.

With integrity and consistently high professional standards, the Ruby team has gained the respect and trust of their clients and realtors. We’re a direct Mortgage Lender located in Vero Beach, we can find you the best rate and program to fit your needs. The Ruby team will provide you with a smooth professional process and quick closings.

over 20 years of experience

vero beach mortgage lenders


Monday-Friday, from 9:00am-5:00pm

Evenings & Weekends by Appointment

Vero Beach Office:

2907 Ocean Drive, Vero Beach, FL 32963

Port St. Lucie Office:

4007 SW Port St. Lucie Blvd.
Ste. 8, Port St. Lucie, FL 34953

buying a home?

Home loan financing with Group One of Supreme Lending means a mortgage that feels right and closes without the hassle.


Mortgage refinancing may lower your monthly payments, which can add up to significant savings.

lightning fast



fund on time

days to application clear to close


customer satisfaction

Data is based on company-wide performance as of 1-1-2022

lightning fast

call the ruby team today!

Chris and Tracy Ruby
Loan Officers
NMLS #335051 | 342813
Direct: (772) 530-6192
Branch: (877) 350-5225

This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York. For New York applicants, please visit our New York authorized website: © 2021 Everett Financial, Inc. dba Supreme Lending NMLS #2129 ( 14801 Quorum Dr., #300, Dallas, TX 75254. 877-350-5225. All rights reserved. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice and may not be available in all states. All products are subject to credit and property approval. Supreme Lending is not affiliated with any government agency. Residential Mortgage Loan Originator. Supreme Lending is an equal opportunity employer and does not practice discrimination based on age, gender, race, religion, national origin, as well as any other rights afforded to applicants under state and federal law.