Hello, my name is Ruby Oliveira! For over 36 years, I’ve had the privilege of helping clients across Oregon, California and Texas navigate one of life’s biggest financial decisions — home financing. As a loan officer with America’s #1 Retail Mortgage Lender, I believe everyone deserves clear communication, honest guidance and a loan strategy designed around their individual goals.

Whether this is your first home, your next home or a refinance, I’m here to make home financing feel simple. I’ll walk you through each step of the mortgage process and keep you updated on your loan. I’ve built my business on referrals and long-term relationships, and I take pride in being your trusted resource not just during the loan process, but well beyond closing.

When I’m not working, you’ll likely find me hiking scenic trails, biking, kayaking or planning my next travel adventure. I believe in balance, staying active and continuously exploring, both in life and in business.