Lending 101 This content is restricted to site members. If you are an existing user, please log in. New users may register below. Ruben Martinez2019-07-19T18:39:59+00:00 About the Author: Ruben Martinez Thanks for visiting my page. I hope to educate Houstonians on Houston and the Houston market. To make sound decisions when purchasing, selling or leasing property in Houston Texas and surrounding areas.