Ruben Garcia, the visionary CEO and founder of Toto Mortgage, brings an impressive 20+ years of hands-on experience in the real estate and mortgage industry. Over the years, Ruben has earned a reputation as a trusted advisor, combining his deep understanding of financial strategies with a heartfelt dedication to helping individuals and families achieve their dream of homeownership.

At the core of Ruben’s professional philosophy is his unwavering belief that a home is more than just a place to live—it’s a foundation for building a future and creating lifelong memories. He doesn’t just guide clients through the mortgage process—Ruben empowers them with knowledge and confidence, ensuring they feel supported every step of the way. For Ruben, helping people achieve homeownership is not just a career; it’s a calling.