Jeffrey M. Ruben is the President of WSFS Mortgage. Jeff joined WSFS through its acquisition of Array Financial, a full service mortgage banking organization, and Arrow Land Transfer in August 2013. Jeff formed Array and Arrow in 2005, having previously held senior executive roles at financial and legal institutions. Jeff is also a licensed real estate attorney.
Through Jeff’s leadership, WSFS Mortgage has achieved year-over-year growth serving a wide range of clientele, from first time homebuyers to self-employed individuals to high net worth clients. Prior to forming Array and Arrow, Jeff served as Executive Vice President of American Business Financial Services, a publicly traded national mortgage lender.
Jeff received his Bachelor of Science from The Pennsylvania State University, Schreyer Honors College and his Juris Doctorate from Temple University School of Law. Jeff is a member of the Pennsylvania and New Jersey Bar and currently serves as a member for the Citizens Audit Review & Financial Advisory Committee of Radnor Township, Pennsylvania. Jeff lives in Bryn Mawr, PA with his wife and two children.
Read Articles by Jeffrey M. Ruben
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Preparing for the Spring Homebuying Season: How to Enter the Market Ready to Act
As the spring homebuying season approaches, activity across the housing market typically begins to accelerate. More homes come on the…
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A Guide to Navigating the Housing Market with Confidence
Reflecting on your financial goals often leads to considering one of life’s most significant assets: your home. Whether you are…
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The Next Generation of Homebuyers: How Millennials and Gen Z Are Shaping Today’s Mortgage Market
As Millennials and Generation Z become a larger share of the nation’s workforce and future homebuyers, their preferences and financial…
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Homeownership Realities a Year Later: What First-Time Buyers Should Expect and How to Stay Prepared
Becoming a homeowner is a major milestone—one that often brings pride and excitement, but also a long list of new…
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Understanding Seasonal Shifts in the Housing Market
As the year winds down, the housing market often follows a seasonal rhythm. After an active spring and summer, fall…
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A Step-by-Step Guide to Demystifying Complex Income for Mortgage Approval
Buying a home is a big milestone, but for those who have complex income streams, it can feel confusing. If…
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Patience and Flexibility Remain Key When Entering the Housing Market in 2025
If you found yourself on the sidelines of the housing market in recent years, you’re not alone. Between elevated interest…
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Refinance Ready? Key Considerations for When to Refinance Your Mortgage
Interest rates have continued to impact many aspects of consumers’ lives in recent years. After record-low rates early in the…
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3 Tips to Help with Your Fall Home Search
With interest rates expected to decline over the remainder of 2024, many potential homebuyers who have found themselves sidelined by…
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A Home for the Holidays? Tips to Reignite Your Home Search this Winter
The housing market remains tight, presenting challenges for many aspiring homebuyers who have been sidelined in recent years. While the…
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How to Manage High Interest Rates’ Impact on Your Home Search
June is National Homeownership Month, emphasizing the importance of making the dream of homeownership attainable. Many potential homebuyers have been…
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When is the Right Time? Tips for Purchasing a Vacation Home
The thought of owning a second home down the shore, in the mountains or at another favorite hideaway can be…
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Spring Homebuying Season: 3 Tips to Help Land Your Dream Home
Spring homebuying season is heating up, with buyers and sellers looking to make their moves and ultimately land their dream…
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3 Ways to Utilize a Reverse Mortgage to Strengthen Your Financial Situation
Reverse mortgages can often be a misunderstood financial option for many consumers. One of the many reasons: since you must…
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Reverse Mortgages: How You Can Leverage One to Create Cash Flow and More
Reverse mortgages – and the mortgage industry in general – have undergone significant changes the past decade. Perhaps the biggest…
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How to Prepare Yourself for Spring Homebuying Season
Spring is just around the corner and can be peak season to buy or sell your home. But before you’re…
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7 Dos and Don’ts When Buying a Home
When searching for your first or next house, it is vital to ensure you’re putting your best foot forward so…
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How a Reverse Mortgage Could Help Fund Your Retirement
In recent years, due to volatile investment and housing markets, reverse mortgages have become increasingly attractive to retirees looking for…
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3 Tips for Those Entering the Housing Market in 2024
The housing market has seen large fluctuations in recent years – first with record low interest rates early in the…
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How You Can Take Advantage of the Current Housing Market
Homebuyers are currently facing numerous challenges in the market, the two main challenges being home inventory and high interest rates.…
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Start Planning Now to Have Your Vacation Home by Next Summer
As the summer vacation season winds down, many people are already envisioning what their 2024 summer vacations will look like,…
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Beat the Housing Inventory Crunch by Building a New Home
As housing inventory continues to be tight, creating a seller’s market even with higher interest rates, many prospective homeowners are…
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Economic Factors That Can Positively Impact Your Home Search This Spring
After months of increasing mortgage interest rates, we’ve recently seen rates begin to drop ahead of the spring homebuying season—and…
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Applying for a Mortgage – Top Dos and Don’ts
Buying a home for the first time is likely the largest purchase people will make at that point in their…
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Homebuying Outlook for 2023 Mixed as Potential Buyers Weigh Prices, Rates and Availability
As we enter the 2023 spring homebuying season, the market is much different than it was a year ago, and…
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If You’re in the Market for a New Home, You May Have More Buying Power in 2023
If you’re planning to buy a new home in 2023, the first few months of the new year may present…
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More Inventory May Fuel Lower Prices for Fall Homebuyers, But They Will Still Need to Watch Their Finances Closely
Recent reports and trends may be signaling an attractive homebuying season this fall across the country, including Realtor.com’s fourth annual…
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The Housing Market May Stabilize in 2023, But Stay Focused on What You Can Control
Traditionally, the homebuying market in our area, and in many parts of the country, tends to be seasonal. But the…
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If You Are Re-Entering the Homebuying Market in 2023, You May Be Rewarded
As we enter the traditional spring homebuying season, much has changed for potential homebuyers compared to the past couple years. While…
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Rental Market Pricing You Out? Buying a Home May be a Better Bet
For the past several months, home prices have been rising at rapid rates, making it difficult for prospective homebuyers to…
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Thinking About Buying a Home in the Region? Now Is a Great Time to Act
Over the past two years, people throughout the region—and the country—have decided to move to areas that better fit their…
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The Competition for Homes is Tough – Here’s How to Stay a Step Ahead
Spring is almost upon us, and normally the homebuying season would be warming up with the weather. Instead, it is…
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The Homebuying Market is Tough – Take These Steps to Be a More Attractive Buyer
For months, most of the region has experienced a white-hot real estate market as interest rates remained low and people…
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Buying a House is Stressful – Follow These Tips to Manage the Anxiety and Secure Your Dream Home
You’ve been dreaming about it, thinking about it, and now the time has come to start looking for your new…
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Mortgage Rates Are Still Rising, and So Are Selling Prices. Here’s How to Adjust Your Buying Approach
There is no question about it. We are in a different homebuying environment than we were even six months ago. Mortgage…
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Renovate Your Home or Buy New – Which is Better?
Over the past year, the idea of what the home looks like and its daily purpose has changed for many people.…
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What to Look for When Building Your Homebuying Team
With mortgage rates rising, the homebuying market remains hot and very competitive, with inventory strains continuing to affect home prices. Despite…
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For First-Time Homebuyers, The New House Hunting Season is Now
Much has been discussed about rising mortgage rates impacting the homebuying market after the frenzy we experienced last year. While today’s…
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Has Your Home’s Value Increased Significantly? Use It to Achieve Your Financial Goals
Over the past 18 months, home values throughout the Greater Philadelphia and Delaware region—and the country—have increased drastically. Fueled by still-low…
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Feeling Left Out of the Housing Market Boom? Why Refinancing Your Current Home May be a Better Option
With record low interest rates and an eagerness among Americans to buy homes with more space as they adjusted to…
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What You Should Know Before Buying a Vacation Home
Over the past year, many people have changed the way they look at their homes. In many instances, homeowners have…
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In the Current Homebuying Market, Be Ready to Think About Your Needs and the Process Differently
As we move into the spring homebuying season, one thing remains clear—the market will remain red hot in many areas…
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Why This Winter Could be a Great Time to Get Back into House Hunting
Over the past two years, the real estate market has pivoted many times. Depending on where you live, you might…
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First-Time Homebuyer This Summer? Here’s How to Build Your Expert Team
Rents are up, mortgage rates are down, and pandemic restrictions are easing. It’s no wonder that so many people across…
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Tips for Helping Your Clients Get Their Mortgage–and Their Dream Home–Faster
A recent WSFS Bank survey found that homebuyers feel high levels of anxiety when purchasing a home, even more than…
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Ready to Go – Summer Homebuying Season Is Heating Up With Low Rates, Easing Restrictions
If you’re emerging from your home after the COVID-19 shutdown wanting to buy a new one, you aren’t alone. Fifty-six percent…
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More Stressful Than a Wedding? Many People Say Buying a Home Is Just That
Think back to the days leading up to your wedding – the tension, the fear and then the relief when…
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Interest Rate Hikes Impact Mortgages Differently Than Other Consumer Loans. Here’s What You Should Know.
Almost everywhere you turn these days, there’s speculation and news about the Federal Reserve getting ready to raise interest rates…
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With Rents Rising and Home Prices Stabilizing, Now May Be a Good Time to Buy
The past year-plus has been a perfect storm for a volatile housing market. Interest rates dropped and stayed low, prices…
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How to Lessen the Impact of Higher Mortgage Rates
With interest rates and home prices at their highest levels in years, many potential homebuyers are hitting a double wall of…
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Buy an Existing Home or Build New? Both Require Planning, Flexibility and Patience.
As 2021 real estate market forces spill into 2022, many potential homebuyers have begun to shift their focus from buying…
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