Chris Ruby
Branch Manager
NMLS #335051
Chris has lived on the treasure coast for 25 years and is a United States Marine Corps Infantry veteran and graduated from Embry Riddle Aeronautical University. Chris specializes in VA mortgages along with FHA, Conventional, Jumbo, Condominium financing, and Unique Portfolio Programs. Often working evenings & weekends, Chris is available to answer all of your questions and concerns.
His 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.
Lalo Guzman
Licensed Loan Officer Assistant
NMLS #1423416
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!
Elizabeth Jacox
Loan Processor and NMLS 260976
Elizabeth is an experienced Mortgage Loan Processor with 24 years of expertise in processing, underwriting, and compliance. Known for ensuring smooth, efficient transactions and delivering exceptional client experiences. Skilled in navigating complex loan scenarios, meeting tight deadlines, and maintaining regulatory excellence. Passionate about helping clients achieve their homeownership goals with precision and care.