Ruby C. Santos

Ruby C. Santos

Loan Officer
NMLS ID: 424965

Mobile: 617-835-0070
Fax: 855-682-0156

Lending in CT, FL, MA, ME, NH, RI, VT



Extremely (happy) with Ruby. She came highly recommended by my entire neighborhood and other community members. She was an absolute pleasure to work with. I appreciate her infinitely. Her attitude was positive and encouraging throughout the entire process.


I truly appreciate the work Ruby Santos and her team puts into the loan process. She is responsive, diligent, and thorough from start to finish. This is my third time working with Ruby on mortgage transaction, and each time she has prioritized my needs and experience. Many thanks!


Ruby Santos and her team were the absolute best. My first mortgage could not have gone smoother. Thank you Ruby!

Christopher and Irma

Ruby Santos and her team were fantastic. They responded back to me when I needed them throughout the whole process. At one point I had an issue and they called me back after business hours and took care of the issue and kept me on track. I can't say enough about the level of service they provided. They are #1 in my book and I will absolutely refer them to anyone I know. Thank you so much Ruby and team.


Ruby Santos and the team behind the transaction were fantastic! I have had several mortgages throughout my life and this was by far the best customer service. Ruby was knowledgeable and professional in all Important categories. I highly recommend her and the team at HarborOne!

Bethany and Nikhil

Ruby and her team were fantastic! They were incredibly knowledgeable, responsive and supportive through the entire process. Even though it's a busy time for lenders, Ruby always took time to answer our questions and worked to get us a great rate in a very short time. Thank you, Ruby and team!

Philip and Amy

Ruby was GREAT to work with.


Ruby Santos was amazing to work with and so exceptionally professional from the beginning to the end of the loan process and I would highly recommend her specifically to any of my friends and family in the future as well as harbor one bank.


Ruby was great she kept me updated on the process and answered any questions I had ASAP.


I referred 2 other people within a month, both of whom used your company and were very pleased.

Michael and Christine

Ruby was (and is) fantastic!!


Ruby was professional and very knowledgeable with her profession. She walked me through everything I needed to do for a timely close. Job well done, Ruby!!!

Lawrence and Katherine

Great experience, we have since recommended Ruby to multiple friends.

Jaswinder and Manjot

Ruby and her entire team was very helpful.

Eileen and William

Very professional, pleasant and efficient. Always kept us informed and up to date.

Charles and Catherine

It was an absolute pleasure working with Ruby and her team! I would recommend and refer Harbor one to anyone and everyone.

Maria and Yvette

It was very easy to work with Ruby and her staff.


We absolutely love Ruby and her team. If it weren’t for them we would not have been able to refinance our condo and receive a fantastic rate as well as buy our first home with an even better rate! Everything from friendly reliable assistance to timely informative service we highly, highly recommend!!


Exceptional service!! Professional and very responsive through the entire process.

David and Lisa

Fantastic experience!

Mariluz and Lazaro

Great experience and a very professional staff.

John and Carol

Our loan officer Ruby Santos was the most conscientious and pleasant person we've ever dealt with. She was patient and very concerned for our satisfaction. An asset to your firm.


Ruby and HarborOne has been an absolute pleasure working with as part of the mortgage application process in pursuit of our first home. Starting from the pre-approval process all the way to the final closing, Ruby and team have been extremely proactive, responsive and diligent in guiding us at every step. Ruby personally spent more than an hour the day before the closing in walking us through every detail and nuances of the CD, ensuring full clarity, confidence and trust in HarborOne!


Ruby and her team delivered at each step. We placed our trust in Ruby - best decision we could have made. Honest, straight forward, clear and. concise. Many thanks!

Joseph and Michele

Ruby was always very responsive with any questions we had and kept us up to date on the status of the loan.