Mortgage Advisor

Rubel Goitia

Mortgage Advisor NMLS# 1521041 Licensed in FL

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5.0
(43 reviews)
(407) 625-4935 [email protected]

1423 Pine Ridge Rd. Suite 200
Naples, FL 34109
Branch License #2413197

About Rubel Goitia

Your mortgage is personal, and I understand that.

A fully bilingual mortgage loan professional with more than 15 years of experience in the housing and banking industry, Rubel is a true specialist on mortgage lending. Due to his previous mortgage processing experience, he sees things that other industry professionals may overlook, allowing him to help hundreds of homeowners purchase and refinance their primary, investment or second homes. Rubel is passionate about finding the best financing solutions for his clients, no matter how complex, because helping his clients achieve the dream of home ownership is what motivates him the most.
To ensure his customers feel comfortable and at ease with the entire home mortgage process, he works closely with each one from the application to the closing.
In the mist of loving his career in mortgage lending, Rubel also enjoys kayaking and fishing and most of all, spending time with family and friends.
Home buying can sometimes be a stressful process, but not if you are in the hands of a true caring professional like Rubel.

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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans
Buy a home Refinance

See what Rubel's clients have to say

Wafaa El Dehne El H

I strongly recommend the Rubel Goitia services and his team. Their attention, patience, and time were just great. Thank you so much

Jan 16, 2026

Yamile De la cruz M

Quiero expresar mi total satisfacción con el servicio recibido. Desde el primer momento, la atención fue excelente, profesional y muy amable. El personal demostró gran compromiso, disposición y eficiencia para atender mis necesidades, lo que hizo que la experiencia fuera muy agradable. El servicio superó mis expectativas tanto por la calidad como por la rapidez, y se nota el esfuerzo por brindar un trato respetuoso y personalizado. Sin duda, recomiendo este lugar/servicio a quienes buscan calidad, confianza y buen trato. Agradezco sinceramente la dedicación y el excelente trabajo realizado. ¡Muchas gracias! ... Read More

Dec 13, 2025

Jordi A

Rubel was great to work with, he ensured a smooth process and was able to close us a week earlier than expected! Very efficient and professional. Thank you Rubel!

Nov 15, 2025

Christi F

muy agradecida de que me hayan ayudado en todo mi proceso de Comprar mi casa estoy muy contenta gracias a todos

Oct 09, 2025

Cristina Osorio N

Honestly, I’ve had several transactions with Rubel, and he’s an excellent person very professional and highly efficient throughout the entire process. He consistently exceeds expectations, and I’m truly grateful for all his support. I highly recommend him! ... Read More

Jul 25, 2025

Raudel Y

Sin dudas el mejor 100% Se los recomiendo excelente equipo de trabajo todo al detalle yo puse toda mi confianza en él y tuve muy buen resultado 👍🙏

Jun 19, 2025

Raudel Y

No existe mejor lugar a donde acudir cuando deseas comprar tu casa que con estas personas Super profesionales me atrevo a decir que lo que nadie pueden lograr ellos porque lo vivimos nosotros los súper recomiendo

Jun 14, 2025

Gwendolyn F A

I had the absolute pleasure of working with Rubel as our mortgage loan officer, and I can confidently say he exceeded all expectations. From start to finish, Rubel was the epitome of professionalism—reliable, knowledgeable, and always ahead of the process. He handled every step with precision and care, ensuring we were well-informed and supported throughout. What truly sets Rubel apart is not only his expertise but his genuine kindness and commitment to his clients. He made what can often be a stressful experience feel seamless and straightforward. His communication was always clear, timely, and reassuring, which made all the difference. If you’re looking for someone trustworthy, competent, and compassionate in the mortgage world, Rubel is the person you want on your team. I would highly recommend him without hesitation. ... Read More

May 28, 2025

David F

Rubel has been an absolute legend and helped us through every step of our home buying process. He was always available for questions or concerns and made the daunting task of purchasing our first home manageable and easy. If we ever find ourselves in the market again, I know exactly who to call! I could not recommend Rubel and his team more and 5 stars does not feel like enough. ... Read More

Apr 18, 2025

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equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2026 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. www.apmortgage.com

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OK, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ BK 0906702. CA #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 164. Licensed under the Oregon Consumer Finance Act. OK MLO13426.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – 555 West Monroe Street, 5th Floor Chicago, IL 60661 | (888) 473-4858

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV