Zule head shot- black backgroundZulema Ruiz believes in the power of homeownership and the proven wealth and improved quality of life homeownership creates for families and communities throughout the South Florida area.

Her passion for excellent customer service and customer centric focus are the pillars of her business philosophy. She is inspired by the great relationships she develops with her clients and humbled by the many referrals and repeat business. Zulema professional ethos is guided by the belief that “The highest compliment you can give her is a REFERRAL”. 

After 10 years of working as an individual contributor for some of the most prestigious Mortgage Lending companies in South Florida, Zulema decided to take control of her own future by opening her own Net Branch with 1st Financial Inc.- City Center Branch. Zulema actively manages a Team of 5 highly experienced Loan Officers with a combined Mortgage experience of more than 60 years in the South Florida Market. Her Team’s motto is “A Client for Life”.