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Raul Cruz Gerardo

Raul Cruz Gerardo

Senior Loan Officer/Sales Manager

190 S. Madison Ave, Suite 1, Yuma, AZ 85364
Own what matters
Own what matters

About Me

Hello and thank you for accessing my webpage. As a Guild Mortgage Loan Officer, I'm committed to walking you through the process of getting a loan for your future home by choosing the right program for your financial needs and goals. Let me help you fulfill your dream of becoming a homeowner, or let me help you to refinance if this is your need.

Not a good credit score? Let me establish a working plan with you to get you ready in just a few months. Where there's a will, there's a way.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.99 out of 5.0 stars
5.0
5.0
Enrique S
Jan 13, 2024
Verified

Highly recommend German, he was attentive always communicating the status of the loan, and went above and beyond with his customer service and can't forget her assistant, Sandra, she guided me and my wife through all the paperwork necessary to acquire or new home. Great people wouldn't change a thing with this mortgage team.
Enrique
Jan 08, 2024
Verified

Great friendly experience Raul and his assistant went above and beyond to help us fulfill our dream of ownership of a new home. Great people highly recommend any one that's looking for a new home in Arizona or California.
German
Jan 08, 2024
Verified

Raul was on point!! Took my call over the weekend for the lead referral. He was able to meet with the buyer right away and get a pre-qual right away so we could write the offer. Closed the loan on time with no issues!!
Jersahid
Oct 02, 2022
Verified

I am extremely impressed on the level of professionalism from Raul and Sandra Cruz. This is the second loan we get from Guild Mortgage and we will continue to look for Raul when the next need arises to buy a home. We are telling everyone we know about the great experience of working with Raul and Sandra. We will forever be thankful for being there for us through the whole process.
Fred
Aug 31, 2022
Verified

Raul was vary helpful person.
Luis
Jun 15, 2022
Verified

Raul was Professional and answered all of our questions during the entire process we are very grateful to him and we highly recommend Raul

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Awards

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Causes I'm
passionate about

causes
NMLS ID #1109888
I am authorized to do business in the states of Arizona and California. AZ BK#0018883; AZ BKBR# 0117026; AZ LO Lic.# 0925691; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;