Ruben Mancha

Little Bit About ruben

With over 25 years of experience in the financial services industry and a deep-rooted commitment to helping others, I am passionate about making the dream of homeownership a reality for everyone I serve. 

My journey began in 1997 in Investment Advisory Services, laying a strong foundation of financial expertise. In 2003, I transitioned into the mortgage industry during the subprime era, gaining firsthand experience as a loan officer. Over the next five years, I honed my skills in loan origination, processing, and closing. In 2007, my focus expanded to include credit underwriting, working with a local lender to make informed decisions on business lines of credit, home equity loans, and auto loans. 

This role gave me invaluable insights into the underwriting process, enabling me to confidently evaluate VA, FHA, Conventional, Jumbo, and USDA loans for over 18 years. My approach to underwriting has always been thorough and empathetic—understanding the challenges borrowers face and striving to explore every possible avenue before denying a loan. 

In 2024, I launched my career as a Mortgage Loan Officer with a mission to ensure every individual, no matter their situation, has access to personalized guidance and expert advice in securing the right mortgage. My dedication is particularly strong for veterans, first-time homebuyers, and hardworking entrepreneurs:

   •    For Veterans: I specialize in VA loans and am committed to honoring your service by making the mortgage process seamless, stress free and rewarding.

   •    For First-Time Homebuyers: I provide step-by-step guidance, ensuring you feel confident and informed throughout the journey and that you have access to all the options available for first-time homebuyers.

   •    For Entrepreneurs: I understand the unique challenges of running a business and strive to simplify the mortgage process so you can focus on your passion.

At my core, I believe in helping one person at a time achieve the American dream of homeownership. With a personalized approach and unwavering dedication, I aim to make the loan process not just manageable but enjoyable for every client we serve.

Let me help you open the door to your new home—because your dreams are worth it.