Ruby Ramos: Elevating Your Real Estate ExperienceWelcome to the realm of unparalleled real estate services with Ruby Ramos – your trusted realtor. With a rich professional background spanning 9 years in underwriting unsecured business loans for commercial enterprises, I bring a unique blend of financial acumen and business savvy to the world of real estate. My journey is not just about transactions; it's about turning your dreams into a personalized reality.A Journey of Professional Excellence: My extensive career in underwriting has equipped me with a profound understanding of financial intricacies, offering you a strategic advantage in the real estate process. I navigate the complexities of real estate transactions with precision and finesse, ensuring that your investments are not just sound but optimized for long-term success.A Heart for Helping: Beyond the professional realm, my personal journey into therapy services was born out of love and compassion. Inspired by my son's struggle with Apraxia, I became a Registered Behavioral Therapist (RBT), driven by a commitment to making a positive impact on the lives of those facing challenges. This passion extends seamlessly into my role as your realtor, ensuring that your real estate journey is not just transactional but also emotionally supportive.Family, Health, and Community Values: At the core of my life are the values of family, health, and community. Cherishing moments spent with my two children, supportive husband, and our four-legged companion, Simba, I understand the importance of finding a home that resonates with your unique lifestyle. Raised in a nurturing family environment, I bring empathy and understanding to every client relationship.Unparalleled Service, Every Step of the Way: What sets me apart is not just professional expertise but an unwavering commitment to personalized service. Whether you're a first-time homebuyer or a seasoned investor, I am dedicated to guiding you through every step of the real estate journey. Your goals are my priority, and I am here to make the process seamless and stress-free.Embark on this journey with me, Ruby Ramos, by reaching out at 786-867-0477 or via email at ruby@FLREsociety.com. Explore my services and listings on FlRealEstateByRuby.com. Together, let's turn your dreams of home ownership, rental, and commercial ventures into a seamless reality.
Realtor & Investor
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Realtor And Creator Of Kingdom Estates And Keys, LlcRealtor & InvestorMiami, Fl, Us
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RealtorThe Listing Office, Llc Jul 2024 - PresentKendall, Florida, United StatesMy career began in finance, where I developed a deep understanding of markets, investments, and client relationships. This analytical expertise naturally led me to real estate, where I found my true passion. Their diverse experiences in commercial and residential real estate, combined with my own, created a powerful synergy. ,dedicated to providing exceptional service, personalized attention, and expert guidance. Our mission is to build long-term relationships based on trust and integrity, while giving back to our community. We are committed to making a positive impact in the lives of our clients and are excited about the future opportunities. Thank you for learning about my journey. I look forward to working with you to achieve your real estate goals.
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Licensed Real Estate AgentThe Re Society, Llc Nov 2023 - Jul 2024Florida, United StatesWelcome to the realm of unparalleled real estate services with Ruby Ramos – your trusted realtor. With a rich professional background spanning 9 years in underwriting unsecured business loans for commercial enterprises, I bring a unique blend of financial acumen and business savvy to the world of real estate. My journey is not just about transactions; it's about turning your dreams into a personalized reality.A Journey of Professional Excellence: My extensive career in underwriting has equipped me with a profound understanding of financial intricacies, offering you a strategic advantage in the real estate process. I navigate the complexities of real estate transactions with precision and finesse, ensuring that your investments are not just sound but optimized for long-term success.A Heart for Helping: Beyond the professional realm, my personal journey into therapy services was born out of love and compassion. Inspired by my son's struggle with Apraxia, I became a Registered Behavioral Therapist (RBT), driven by a commitment to making a positive impact on the lives of those facing challenges. This passion extends seamlessly into my role as your realtor, ensuring that your real estate journey is not just transactional but also emotionally supportive.Family, Health, and Community Values: At the core of my life are the values of family, health, and community. Cherishing moments spent with my two children, supportive husband, and our four-legged companion, Simba, I understand the importance of finding a home that resonates with your unique lifestyle. Raised in a nurturing family environment, I bring empathy and understanding to every client relationship.Embark on this journey with me, Ruby Ramos, by reaching out at 786-867-0477 or via email at ruby@FLREsociety.com. Explore my services and listings on FlRealEstateByRuby.com. Together, let's turn your dreams of home ownership, rental, and commercial ventures into a seamless reality.
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Junior UnderwriterEverest Business Funding 2017 - 2018Doral, FlAs a Junior Underwriter for Everest Business Funding, I directed merchant application operations including borrower business stability analysis of financial statements, credit bureau report, 3rd-party data and pre-underwriting for new merchant applications in alignment with Everest Management Team expectations and goals. I also maintained company and industry knowledge by participating in new product and skills training. Some of my key accomplishments include:Utilized available information in partnership with management to make sound judgement on application status and accurately price deals with deadlines and established guidelines.Collaborate with Independent Sales Organization agents obtaining required and missing documentation and to facilitate business owner communication. Conducted in depth analysis and background checks on businesses, business owners, and merchant processing statements.Interviewed clients to better understand the nature of their business operations and conducted in depth analysis and background checks on businesses, business owners, and merchant processing statements. -
Youth Employment & Financial Empowerment ProgramThe City Of Miami 2016 - 2017Miami, FlAs a Youth Employment & Financial Empowerment Program Owner, I collaborated with employers creating job placement opportunities and ensure proper applicant placement targeting professional and financial success. I leveraged business relationships and source new partnerships appealing to youth ages 16 - 19. Some of my key accomplishments include:Develop and implement database to streamline application process by tracking available and placed jobs, applicant communication, employment records and contact information for current and potential banking partners. Source new bank relationships developing a connection with the Youth Employment & Financial Empowerment Program
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Vallez Acquisitions, LlcHead Underwriter 2014 - 2016Miami, Fl:As a Head Underwriter for Vallez Acquisitions, LLC, I managed client financial packages to mitigate risks by identifying potential repayment of merchant advances in partnership with external groups when necessary. I also completed in-depth analysis of financial status, credit, and property evaluation for loan granting. Some of my key accomplishments include:Negotiated client sales contracts focused on merchant advance structure, pricing, and retention.Successfully funded increased application ratio by 10-15% while achieving loss percentages below the industry standard of 10%.Maintained database with 3rd-party vending, external lending guidelines, industry trends, loss mitigation and client profiles.
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Funding SpecialistBusiness Financial Services Jan 2013 - Apr 2014Coral Springs, FlAs a Funding Specialist for Business Financial Services, I conducted initial review of MCA/ACH applications to BSF and completed monthly sales average analysis, deposits and approval activities for final underwriting. Some of my key accomplishments include:Ensured regulatory compliance by researching merchant filings with NAMAA and Secretary of State.Provided engaged training to new employees improving knowledge and proficiency in initial underwriting and Submission Specialist responsibilities.
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Support SpecialistMerchant One 2009 - 2013Miami Beach, FlExecuted merchant account and services industry negotiation welcome calls, terminal training, terminal programming, including set-up, transition, facilitating agreements, accuracy audits, pricing and long-term retention. Provided excellent experiences for customers and internal employees for troubleshooting and transaction verification. Ensured merchant PCI Compliance utilizing ControlScan within 30 days. Maintained 80% PCI Compliance database saving merchants’ additional fees.
Ruby Ramos Education Details
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National Association Of Mortgage UnderwritersFinance, General -
National Association Of Mortgage UnderwritersFinance, General
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World Hope Academy High SchoolHigh School Diploma And Certificates
Frequently Asked Questions about Ruby Ramos
What company does Ruby Ramos work for?
Ruby Ramos works for Realtor & Investor
What is Ruby Ramos's role at the current company?
Ruby Ramos's current role is Realtor and Creator of Kingdom Estates and Keys, LLC.
What schools did Ruby Ramos attend?
Ruby Ramos attended National Association Of Mortgage Underwriters, National Association Of Mortgage Underwriters, World Hope Academy High School.
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