"Secure your future through home ownership"
Let us help you find the best way forward.
Charissa Cruz
Loan Officer
NMLS# 246806
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
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 .
Charissa Cruz provided us with exceptionally conscientious service and attention to every detail. We were always informed and reassured as
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.
Char did a great job with our buyers! The process was easy, smooth and on time! More importantly, the buyers were pleased! I will refer my next buyers to Charissa! Thank you for your great work! Mike Sibbald, Elevations Real Estate.
Cher and Jim are great people, who are knowledgable, helpful, caring and human!
Great people, knowledgable, helpful, caring and human!
NMLS ID #246806
I am authorized to do business in the state of Colorado. 
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