About Rubiola Realty and Mortgage · San Antonio
Rubiola Realty and Mortgage is a family-owned real estate and mortgage brokerage headquartered at 1600 NE Loop 410, Suite 222, San Antonio, Texas 78209. The firm combines a Texas real estate brokerage (Rubiola Realty) with a residential mortgage company (Rubiola Mortgage Company, NMLS# 348049), allowing buyers to handle both home search and financing under one roof. Founded and operated by members of the Rubiola family — including Joseph 'JC' Rubiola, Louis Rubiola, Greg Rubiola, and Katryn Lewis — the firm has served San Antonio and surrounding areas since at least 1981, with JC Rubiola listed as owner since January 1991.
Rubiola Realty and Mortgage is a long-standing, family-run real estate and mortgage company in San Antonio, Texas, that brings together licensed Realtors and in-house mortgage loan originators under one roof. The brokerage side (Rubiola Realty) is a Texas real estate firm based at 1600 NE Loop 410, Suite 222, ZIP 78209, with a multi-cultural agent roster that has included agents from China, France, Indonesia, Italy, Japan and elsewhere. The mortgage side (Rubiola Mortgage Company, NMLS# 348049) operates as a mortgage broker that shops multiple lenders to find borrowers the best rate and loan product for their needs, with several named loan officers holding their own NMLS IDs. The company's model is unusually agent-friendly: agents pay a flat $499 per transaction plus a $250 yearly E&O fee, with no monthly tech fees, no desk fees, no training fees, no broker review fees, and free office space, Wi-Fi, printing, conference room, marketing help, a personal agent page, heavily discounted real estate photography, and access to in-house mortgage services. The firm advertises a commission cap of $11,000 and emphasizes that agents keep more of their hard-earned commission. JC Rubiola's tagline is 'Making Your Buying & Selling Experience a Memory.' Rubiola serves the broader San Antonio market — including Alamo Heights, the 78209 corridor, and surrounding Bexar County communities — and handles purchases, sales, refinances, VA loans, and land transactions. The team has helped clients buy and sell properties ranging from starter homes to luxury listings (Joseph Rubiola is noted as a top 10% San Antonio agent with sales up to $1,250,000), and a recent social-media post celebrated the firm being in business '25 and looking forward to helping even more in 2026.'
- In business
- Since 1981 (JC Rubiola listed as owner since January 1991; firm celebrated '25 years' in early 2026)
- Owner
- Owned by JC (Joseph) Rubiola, Louis Rubiola, Greg Rubiola, and Katryn Lewis
- Serves
- San Antonio, Texas and surrounding areas (including Alamo Heights, the 78209 corridor, and Hill Country communities served by Rubiola agents)
About Rubiola Realty and Mortgage
Rubiola Realty and Mortgage is a family-owned San Antonio real estate brokerage and residential mortgage company operating under one roof. The firm has been in business since at least 1981 and is led by the Rubiola family — JC (Joseph) Rubiola has owned the firm since January 1991 and is listed by LinkedIn as having 43+ years of real estate experience. Other named owners are Louis Rubiola, Greg Rubiola, and Katryn Lewis. The company tagline, 'Making Your Buying & Selling Experience a Memory,' appears on its official site and LinkedIn page.
- Founded ~1981; JC Rubiola listed as owner since January 1991
- Family-owned partnership
- Tagline: 'Making Your Buying & Selling Experience a Memory'
- Annual revenue reported ~$10M (LinkedIn-derived third-party data)
Real Estate Brokerage Services
Rubiola Realty (Texas broker RBLR01) is a full-service San Antonio real estate firm that helps clients buy and sell homes, condos, and land. Per HAR.com, the firm provides a wide range of real estate services and is noted for having multi-cultural agents, including agents from China, France, Indonesia, Italy, and Japan. Agents handle single-family homes, short sales, condos, and luxury listings, with Joseph Rubiola ranked in the top 10% of San Antonio agents and noted for transactions up to $1,250,000.
- Buyer and seller representation
- Single-family home sales
- Condo sales
- Short sale transactions
- Luxury home sales (top-tier San Antonio agent)
- Hill Country / land transactions
Rubiola Mortgage Company (NMLS# 348049)
Rubiola Mortgage Company operates as a mortgage broker, meaning the firm shops multiple lenders to find borrowers the best rate and loan product for their situation. The company is registered with the Texas Department of Savings and Mortgage Lending (2601 N. Lamar, Suite 201, Austin, TX 78705; consumer hotline 1-877-276-5550) and posts the standard 7 TAC §80.200(b) Consumer Protection Notice on its site. It also offers a Spanish-language document link ('Haga clic aquí para documentos en español').
- Conventional purchase loans
- VA loans (DD-214 / Statement of Service required)
- Refinance loans
- Mortgage broker — multi-lender rate shopping
- Spanish-language application documents available
Loan Officers
The mortgage side is staffed by several licensed loan originators, each with their own NMLS ID and direct contact line. Loan officers originate residential loans under the company's NMLS# 348049 and are governed by SAFE MLO testing, background checks, pre-license education, and credit checks.
- JC Rubiola — (210) 771-8883 — [email protected] — NMLS# 270635
- Louis Rubiola — (210) 379-5900 — [email protected] — NMLS# 242351
- Bill Graham — (210) 829-1818 — [email protected] — NMLS# 314890
- Robert Michael Pollock — (858) 245-4560 — [email protected] — NMLS# 2265976
- Darin Hair — (940) 536-8910 — [email protected] — NMLS# 2657489
Mortgage Application Checklist
The mortgage page publishes a detailed list of documents borrowers should provide so the loan can be processed without delays. PDFs are preferred — screenshots or photographed documents are not accepted, and no statements can be scratched out.
- Most recent 30 days of pay stubs (borrower + co-borrower)
- Last year's W-2s (borrower + co-borrower)
- Last 2 years of signed tax returns, all pages
- Most recent 2 months of asset statements (checking, savings, mutual funds, annuities)
- Executed earnest money contract
- Divorce decree if previously married
- Driver's license and Social Security card (borrower + co-borrower)
- Homeowner's insurance quote or authorization to obtain one
- Tax rolls and insurance declaration page for all real estate owned
- For VA loans: VA disability letter, Social Security awards letter, DD-214 / Statement of Service
- For refinances: homeowner's insurance, property survey, prior settlement statement, monthly mortgage statement
Our Team — Agents and Brokerage Staff
Rubiola fields a roster of independent contractor Realtors plus the broker-of-record and owners. According to the firm's 'Join Our Team' page and HAR.com, agents work as independent contractors rather than employees. Joseph 'JC' Rubiola is the named Broker of Record and primary contact. The team is multi-cultural, including agents from China, France, Indonesia, Italy, and Japan.
- Louis Rubiola — Broker / Owner (47 years experience)
- JC (Joseph) Rubiola — Owner / Broker of Record, license #0422205
- Greg Rubiola — Owner
- Katryn Lewis — Owner
- Barbara Rubiola — Realtor
- Cheryl Flora — Agent
- Sandra Thomson — Agent
- Joshua Hayes — San Antonio agent noted with 76 reviews on Zillow
Join Our Team — Agent Model
Rubiola markets itself to licensed Realtors with a flat-fee, low-overhead independent contractor model. The firm emphasizes no monthly tech fees, no desk fees, no training fees, and free office space with Wi-Fi, printing, conference rooms, and marketing support. The site lists testimonials from agents who moved from traditional commission-split brokerages to Rubiola.
- $499 per transaction fee
- $250 yearly E&O fee — 'THAT'S IT.'
- Free leads available
- Option to waive transaction fee completely
- Free marketing help
- Free office space with Wi-Fi, printing, and conference room
- Free personal agent page
- In-house mortgage with 'best rates in the nation'
- Heavily discounted real estate photography
- Commission cap of $11,000
- No broker review fees, no minimums, no monthly tech fees, no training fees, no desk duty
Contact and Office
The firm's main office sits on NE Loop 410 in San Antonio's 78209 ZIP code, convenient to Alamo Heights. Office hours are Monday through Friday 9:00am – 5:00pm, with weekends available by appointment. The site also lists a separate mailing address at 332 W Sunset Road, Suite 8, San Antonio, TX 78209.
- Office: 1600 NE Loop 410, Suite 222, San Antonio, TX 78209
- Secondary address: 332 W Sunset Road, Suite 8, San Antonio, TX 78209
- Hours: Monday–Friday 9:00am – 5:00pm; weekends by appointment
- Phone: 210-828-6007 (office) | Fax: 210-828-6101
- Email: [email protected]
- Texas Dept. of Savings and Mortgage Lending complaints: 2601 N. Lamar, Suite 201, Austin, TX 78705; 1-877-276-5550; www.sml.texas.gov
Service Area and Market Position
Rubiola Realty and Mortgage operates in San Antonio and surrounding communities, with agents active across Bexar County and into the Texas Hill Country. Joseph Rubiola is ranked in the top 10% of San Antonio agents on HomeLight, has closed 28 more sales than the area average, and is noted as a luxury agent whose listings tend to sell for roughly 2x the area median.
- Primary market: San Antonio, TX (Bexar County)
- Active in 78209 / Alamo Heights corridor
- Hill Country land transactions
- Multi-cultural agent roster
Catholic / Faith-Based Status — Not Claimed
The official website (rubiola.com), the firm's Facebook page, and its LinkedIn profiles were reviewed. None of these surfaces contain any explicit statement that the business is Catholic-owned, Christian-owned, faith-based, or affiliated with a parish or diocese. The surname Rubiola and the firm's Italian-origin team members suggest a possible cultural/religious background, but in the absence of any self-identification, Catholic Connect should treat the Catholic-ownership status as unverified rather than inferred from the name alone.
- No faith statement, parish sponsorship, or Catholic branding on rubiola.com
- No Catholic / faith-based language found on Facebook or LinkedIn profiles
- Do not infer Catholic identity from the surname alone