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Ruben Garcia Headshot

Ruben Garcia

Branch Manager

Doral
NMLS # 328096
8750 NW 36th Street, Suite 640
Doral, FL 33178

About Ruben

Being in the mortgage industry for over 28 years Ruben has held many different positions in the industry thus giving him a very well-rounded knowledge of the business.  Ruben applies a simple formula that has given him much continued success in the industry that he calls his secret sauce which is actually very simple, and that sauce is that it is all about the customer service experience.

Having resided in Miami for many years has helped Ruben to learn much about the different cultures that make Miami such a diverse and interesting city, thus helping Ruben and his team develop unique marketing strategies for this diverse client base.

Ruben alongside his team are poised and ready to serve our clients with all their lending needs with a variety of loan products including Conventional, FHA, VA, Foreign National and non QM products just to name a few.

Loans Offered

Novus Home Mortgage, a division of Ixonia Bank, offers the most diverse set of loan products in the industry. No matter what situation you may face, we set you up for one thing: to help a family get into a home. Novus Home Mortgage has the product mix for every customer.  

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Conventional
  • Direct Freddie Mac
  • FNMA Direct
  • Freddie Home Possible
  • Fannie Mae HomeReady
  • Aggregators and Minimum FICO 620
Government
  • FICO 620
  • FHA Purchase & Streamline
  • FHA Standard
  • VA Standard
  • FHA High Balance
  • VA High Balance
  • USDA
  • VA Purchase & IRRL
  • Jumbo
  • Fixed Loan Programs
Jumbo Loan Investors
  • Chase
  • Pen Fed
  • TIAA
  • US Bank
  • Bayview

Happy woman sitting at a table with a laptop

Loan Officers

Our dedicated team of loan officers works to create a streamlined process from application to closing. Loan officers are committed to understanding a customer’s long-term and short-term goals, and they will create a lending experience designed specifically for you.

Meet THE TEAM

The dedicated team of support staff works to create a streamlined process from application to closing. They are committed to understanding a customer’s long-term and short-term goals, and they will create a lending experience designed specifically for you.

SIMPLE. DIGITAL. OUR 5-STEP LOAN PROCESS.

Make your homeownership dreams a reality when you work with our experienced loan officers. Follow our step-by-step guide from your loan pre-approval, home search with your realtor, home appraisal, and insurance process to your mortgage close. These 5-steps layout the mortgage loan process to owning your new home and opening the door to a new world of possibilities.

Don't Just Take Our Word For It.

Questions? Ask Ruben!

NMLS # 328096
Doral, FL 33178

Get Started With Ruben Garcia

Ruben Garcia Headshot

Being in the mortgage industry for over 28 years Ruben has held many different positions in the industry thus giving him a very well-rounded knowledge of the business.  Ruben applies a simple formula that has given him much continued success in the industry that he calls his secret sauce which is actually very simple, and that sauce is that it is all about the customer service experience.

Having resided in Miami for many years has helped Ruben to learn much about the different cultures that make Miami such a diverse and interesting city, thus helping Ruben and his team develop unique marketing strategies for this diverse client base.

Ruben alongside his team are poised and ready to serve our clients with all their lending needs with a variety of loan products including Conventional, FHA, VA, Foreign National and non QM products just to name a few.

Have Questions?
WE Have Answers.

  (844) 337-2548
  info@novushomemortgage.com