Hi! I'm Ruby Congdon and I'm a Senior Loan Officer in Genesee County, MI. I'm here to provide expert mortgage advice and bring you home faster.

NMLS ID: 518088
Learn more about Ruby Congdon
I have been a loan officer for over 27 years. Helping people achieve their dream of home ownership is very rewarding. I am good at what I do because I love what I do. I strive to make the process of buying a home as smooth and as simple as possible.

With the increasing number and ever changing landscape of loan products available, you need a full time professional that understands your options. I have built my business around forging strong personal relationships with my clients which allows me to find the solutions that work best for them.

Also, by working with me you can be confident in knowing that years of experience will help you to make and informed decision.

Find the Perfect Loan

If there is a mortgage product that you need, Cason Home Loans has it!
I need a loan above $417,000.
I'm looking for a short term loan.
I want the lowest interest rate available.
I don't want to worry about my interest rate going up.
I want to live in a rural area.
I am a military veteran or actively serving.
I don't have a lot of money for a down payment.

Run the Numbers

Our licensed loan officers are highly informed so you can have the confidence that you are getting the best mortgage advice for your needs.

Clear Answers to Common Questions

From start to finish, our team will go above and beyond to ensure all your questions are answered.
What are the common fees through the mortgage process?
What is the difference between a Mortgage Broker & Mortgage Banker?
What is a Rate Lock or Lock In?
What is a Loan To Value Ratio (LTV)?
What are Discount Points (or Points)?
What is the difference between Interest Rate & APR?
What are the steps in the Mortgage Process?
What is a Truth-in-Lending Disclosure and why do I receive it?
What is Private Mortgage Insurance (PMI)?
How does an escrow account work?

With all of the mortgage companies that seem to appear and disappear you may wonder why I choose to work for Cason Home Loans.

First, Cason Home Loans has been in business for over 12 years and is managed by extremely experienced loan professionals that understand my job intimately and always go the extra mile to help me serve you.
Second, Cason Home Loans is a mortgage BANKER not a mortgage BROKER. This means that Cason Home Loans is an actual lender with its own products and its own staff of in-house underwriters.

These important distinctions mean that Cason empowers me to offer the best programs and tools in the industry, in addition to exceptional support, specialized products and very competitive rates that are unique to Cason Home Loans.

In short, "I work for Cason because they make sure that I have the best products and service to offer you - and this brings my clients back again and again!"

Let's Meet


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My Office

Flint, MI

G3404 Miller Road Flint, MI 48507
Phone 810.732.9660