Scott Ruby, born and raised in Waco, has worked in the mortgage industry for over 20 years. Scott’s deep knowledge and experience with purchase, refinance, cash out, and new construction loans allow him to find the right program for his client’s specific needs. Scott also has a wealth of experience with First Time Homebuyer and Down Payment Assistance Programs, so he can help you get into your first home, forever home, or any home in between. Want to build a portfolio of investment homes? Scott can help with that too. Scott’s goal is to become your lender for life – call him today to see how he can help you achieve your real estate goals.

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