Ethos Lending

NMLS 290585 |

Ruben Flores

Ruben Flores started helping homebuyers in 2001. Ruben works with both English and Spanish speaking clients. Ruben is driven by his care for his clients and has adopted the philosophy of “People before Profits and Reputation before Revenue.” He believes that every client is a “client for life”. He understands navigating the mortgage world can be complicated, so he ensures that every client knows their financial position and understands what their options are when making the largest financial transaction of their lives. Whether it’s a client’s first home or tenth, it’s that extra bit of diligence he puts into everything he does that makes all the difference. Ruben uses his extensive knowledge, experience, communication, and resources to guide his clients. Ruben is very passionate to explore all available options. He makes sure his clients feel comfortable throughout the process. When he isn’t assisting his clients, Ruben spends his spare time guiding his daughter, spending time at the beach with his wife and playing golf. He is a devoted father and husband.

Mario O'Brien

Production Manager

CREATIVITY. AUTHENTICITY.  GROWTH.

As the Production Manager at Ethos Lending, Mario O’Brien brings over a decade of specialized experience in sales and production to the team. He has built a reputation for excellence, backed by over 1,200 verified 5-star reviews from clients who value his transparency, efficiency, and deep industry knowledge.

Mario excels at navigating the complexities of the lending market, serving as a trusted advisor to first-time homebuyers and seasoned investors alike. Known for his ability to thrive under pressure and adapt to any situation, he ensures a smooth, streamlined process tailored to each client’s unique financial goals. His approach is rooted in proactive problem-solving and clear, honest communication, ensuring that every borrower feels confident from application to closing.

Beyond managing production, Mario is dedicated to building lasting relationships and helping his clients achieve long-term prosperity. Whether you are looking for your first home or your next investment, Mario’s insights and commitment to service make him an invaluable partner in your homeownership journey.