Ruben Concepcion
Keys Financial Mortgage, a DBA of Mason-McDuffie M...
At Keys FInancial Mortgage, you are guaranteed to work with an experienced loan officer and support staff. No call centers, no 800 numbers, no robotic phone systems, no barriers between your loan officer and our executive team, and an opera...... Show More
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Great communication, made everything go smoothly
Reply from Ruben Concepcion
June 4th, 2026 07:32 PM
Thank you Amy! Congratulations on your new home and welcome to the Keys! It has been a pleasure working for you. Please do not hesitate to reach out if you need anything at all.
Ruben is a pro! Excellent communication and smooth from start to close. It is a pleasure working with him!
Reply from Ruben Concepcion
June 3rd, 2026 12:47 AM
Thank you Sarah! You take great care of your clients and are a joy to work with!
Ruben is the best, a true joy to work with in every way. He's a wealth of knowledge, extremely kind and a professional through and through. It means the world to know our clients are in good hands with Ruben.
Reply from Ruben Concepcion
May 29th, 2026 01:33 AM
It's my pleasure to play a part! I appreciate the opportunity!! Thank you for the feedback and kind words!
He answered every question clearly and promptly . He made the process so incredibly easy. He was over the top helpful and friebadly.
Reply from Ruben Concepcion
May 29th, 2026 01:34 AM
Thank you so much Gary! Welcome to the island. I know you're going to love your new place. Congrats!!
Very professional . Over the top communication
Reply from Ruben Concepcion
April 14th, 2026 03:06 PM
Thank you Tom! I appreciate the opportunity to help you with your mortgage needs. It was a pleasure to work for you! Enjoy your new vacation home!
Ruben Concepcion has received a review with 5 star rating from Thomas M
Reply from Ruben Concepcion
May 29th, 2026 01:34 AM
Thank you!!
Friendly and helpful with all my questions.
Reply from Ruben Concepcion
March 23rd, 2026 04:25 PM
I was a pleasure to work for you! Thank you for the feedback!
Enjoy your new home!
Ruben kept me informed about everything all along and he was easy to reach when I needed him. I refer all of my buyers to Ruben!
Reply from Ruben Concepcion
March 18th, 2026 05:23 PM
Thank you for the feedback Al. You are a true professional and it's always a great pleasure and a privilege to work for you and your clients!
Ruben was very communicative, his team and their tools for collecting our personal information were very clear and easy to work with.
Reply from Ruben Concepcion
March 12th, 2026 07:23 PM
Thank you so much for your feedback Libby! That is very helpful. We appreciate your business! Enjoy your new home!
Personal service to complete all my transactions!!
Reply from Ruben Concepcion
January 30th, 2026 04:37 PM
Thank you Eileen! Always so happy to help you!
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About
At Keys FInancial Mortgage, you are guaranteed to work with an experienced loan officer and support staff. No call centers, no 800 numbers, no robotic phone systems, no barriers between your loan officer and our executive team, and an operations staff working with one goal in mind to ensure the best mortgage process for each and every customer.
Ruben Concepcion, founder of Keys Financial Mortgage in 1998, will analyze your specific situation and recommend financing to fit your needs. Ruben and his wife Leslie, who joined Keys Financial Mortgage in 2021 after a long banking career, are ready to help you and your friends and family !
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional Loans
Jumbo Loans
VA Loans
Mortgage financing for primary residences, vacation homes, and investment properties. Conventional-FHA-VA. Jumbo Loans. Home equity loans and lines. Reverse Mortgages.Commercial loans.
Home Equity Line of Credit
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Positions
- Keys Financial Mortgage - President and Licensed Loan OfficerJul 1st, 1998 - Current
Memberships
- Florida Association of Mortgage Professionals
- Key West Chamber of Commerce
- Key West Association of Realtors
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Addresses and Serving Areas
Year Started
1998
Time Zone
Eastern Standard Time (EST)
Licenses
- Morgage Loan Originator License #271193
Gallery
Awards
Achievements
- 25 year anniversary!
Hobbies
- Reading
- Investment Analysis
- Boating
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Disclaimer
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.