Meet the team
Chris and Tracy Ruby have lived on the treasure coast for 25 years. Chris is a United States Marine Corps Infantry veteran and graduated from Embry Riddle Aeronautical University. Tracy is a Florida native and graduated from the University of Florida, with a BA in Education. Chris specializes in VA mortgages along with FHA, Conventional, Jumbo, Condominium financing, and Unique Portfolio Programs. Often working evenings & weekends, Chris and Tracy are available to answer all of your questions and concerns.
Their reputation has been built on providing service the way it used to be, the way it should be. You can count on the Ruby Team to always look out for your best interests and keep you informed throughout the lending process. You will always receive a prompt return phone call and your mortgage qualifications will be quickly and correctly evaluated. With integrity and consistently high professional standards, the Ruby team has gained the respect and trust of their clients and realtors.
Gerardo “Lalo” Guzman
Born and raised in Napa Valley California and after 15 years in the military “Lalo” is happy to call Florida home. He has worn many hats throughout his life starting off as a United States Marine and finishing as a Drill Sergeant in the United States Army. Having traveled the world continuously learning new skills to include Leadership, Logistics, Management, Budgeting and more. It has become his mission to provide the best experience whether you are a first time home buyer or refinancing your existing home.
I look forward to working with you and Semper Fidelis!
Originally from Puerto Rico, Sharine moved to South Florida and has worked in the financial industry for over 22 years.
Sharine will focus on what is important to the client and as a Processor/Loan Originator will help you through the financing process.
She is fluent in English and Spanish.