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"Secure your future through home ownership"

Let us help you find the best way forward.

About me

Hi, I'm Jim. When I'm not exploring the world on two wheels (cycling is my passion!), you might find me tending to my backyard beehive. Beyond my personal interests, I'm deeply committed to helping people achieve the dream of homeownership. Based in the Greater Denver area, including the Front Range and Fort Collins, I'm licensed in both Colorado and Kansas. I specialize in down payment assistance programs such as EhousingPlus, CHFA, and Chenoa, as well as VA loans. I believe that owning a home is a cornerstone of building wealth and creating a stable foundation for the future. I'm always eager to connect with others who share similar interests or are on their own journey of personal growth and financial stability.

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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.

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Testimonials

Testimonials
4.96 out of 5.0 stars
5.0
4.95
5.0
Amelia
Apr 07, 2025
Lakewood, CO
Verified

Charissa was very helpful and walked through every step / question that I had! She was prompt and duedilegent !
Lindsay
Apr 07, 2025
Lakewood, CO
Verified

Charissa was amazing! Always kept me in the loop and the transaction was smooth and stress free!
Sarah
Apr 07, 2025
Centennial, CO
Verified

We recently worked with Cher as our loan officer, and she was absolutely amazing from start to finish. From the very beginning, she made herself available at all times to answer any questions we had, no matter how big or small. What really stood out was how she earned our business—she confidently asked for it and took the time to explain why Guild would be the best fit for our unique situation. The entire loan process was smooth and stress-free, thanks to Cher and her incredible team. They were organized, efficient, and knew exactly what was needed up front, which saved us from the usual back-and-forth on documents. We truly couldn’t have asked for a better experience and would highly recommend Cher to anyone looking for a knowledgeable, responsive, and dedicated mortgage professional.
Adriene
Mar 25, 2025
Verified

Cher Cruz is the best Mortgage Broker I have ever worked with . Her background in business entity structure and Financial Instruments makes it easy for me to refer business and individuals to her. She goes above and beyond to find solutions , even when it serms there be no product out there. She is a pleasure to work with .
Suzanne
Mar 25, 2025
Verified

Charissa Cruz provided us with exceptionally conscientious service and attention to every detail. We were always informed and reassured as
Erin D
Feb 25, 2025
Verified

Charissa made the process of buying our first home a breeze! She helped us look at multiple loan options before putting an offer in on our house to find one that worked best for us. She walked us through every step to make sure we understood our final costs and loan terms.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #246806
I am authorized to do business in the state of Colorado.