Select from hundreds of loan products tailored to your needs
James Cruz
Loan Officer
NMLS# 1862111
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. The intricate dance of these fascinating creatures never ceases to amaze me.
I'm also a dedicated practitioner of Tai Chi, finding its gentle movements both meditative and invigorating. Recently, I've discovered the profound beauty of existential poetry, and I'm constantly drawn to its exploration of life's deepest questions.
Beyond my personal interests, I'm deeply committed to helping people achieve the dream of homeownership. 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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Meet my team
I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.
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
Down payment assistance
Reverse mortgage loan
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
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Testimonials
Cher and the team did a great job throughout the process. She was knowledgeable and had access to the information we needed to make the decisions we needed to get ready for closing. She’s and angel for our family as this is our dream home! Great job for sure!
Jim is a very knowledgeable when it comes to Tax issues and presentation on the tax return. He is a pleasure to work with because of this!
It was an absolute pleasure to have had Cher and James help us through our home buying process!! They were so diligent and helpful every step of the way. They were always, and I mean “always” ready to answer our questions and very knowledgeable. I highly recommend anyone looking to buy a home to reach out to them!! You will absolutely be in good hands!!
This team was very patient with us and really took the time to explain everything. They answered all our questions. We have felt completely supported throughout our whole process.
Cher, James, and the Cruz team were awesome!
The process was very smooth even though we are a challenging client. Great work thanks!
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