Rubin Group Mortgages (Swift Mortgage / Michael Rubin)

Buying a home or refinancing your mortgage shouldn’t feel overwhelming, confusing, or impersonal. At Rubin Group Mortgage, we believe every client deserves a lending partner who takes the time to understand their unique financial situation and goals—not a one-size-fits-all approach handed off between departments.

As a locally focused mortgage team, we specialize in making the financing process simple, transparent, and stress-free from application to closing. We offer a comprehensive range of loan products to meet you wherever you are in your homeownership journey:

Purchase — We handle all conforming loan types, including Conventional, VA, FHA, USDA, and down payment assistance (DPA) programs, helping eligible buyers make homeownership more affordable.

Refinance — Whether you’re looking for a better rate, a shorter term, or cash from your home’s equity, refinancing can help. We’ll run the numbers with you so the savings are clear before you decide.

Non-QM Loans (Non-Qualified Loans) — For borrowers with unique financial situations, we offer specialized solutions including Bank Statement loans for self-employed borrowers, DSCR (Debt Service Coverage Ratio) loans for real estate investors, asset depletion loans, and options for those with recent credit events.

HELOC (Home Equity Line of Credit) — Turn your home’s equity into flexible, on-demand funds for renovations, debt consolidation, or whatever comes up. Borrow what you need, when you need it, and only pay interest on what you use.

There are also several down payment assistance programs available that may help eligible buyers with down payment and closing costs. We’ll review your situation to determine whether any programs may be available to help make homeownership more affordable.

Not sure which loan is right for you? That’s exactly why we’re here. We’ll explain your options in plain English, answer your questions, and help you choose the financing solution that makes the most sense for your goals—not just today, but for years to come.

What sets Rubin Group Mortgage apart is our commitment to communication and education. We don’t just process paperwork—we’re honest, responsive, and available whenever you need us, because we know buying or refinancing a home is one of the biggest financial decisions you’ll make.

We also take pride in staying closely connected to the communities we serve. Our clients aren’t just transactions; they’re neighbors, friends, and long-term relationships. That’s why so many return to us for future purchases, refinances, and investment properties, and why they refer friends and family with confidence.

Ready to get started? Whether you’re buying your first home or your forever home, Rubin Group Mortgage is here to help make the process simple, straightforward, and stress-free. Apply online today or contact us for a free consultation—we look forward to helping you find the right path forward.

• • List of Services/Products – Purchase, Refinance, (NON-QM loans) (Non-Qualified Loans), HELOC (Home Equity Line of Credit)

• Service Areas (Cities/States served) – Tucson, AZ