Rick Ruby has been in the mortgage business for 39 years. He operates five mortgage branches and has 52 loan officers. In 2022, Rick closed 2,450 loans - 92% of them were purchase. Rick originated personally from 1984–2010. He owns and runs The CORE Training, a mortgage and real estate coaching company with over 500 clients and 50 top producing coaches. All 50 coaches earn on average $1.75M and have $2.5M in savings. He teaches his employees and clients how to make more, save more, & give more. The CORE Training has been in business since 2001. Rick also privately consults for several large mortgage banks.