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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

James Cruz

James Cruz

Loan Officer

1951 Wilmington Drive, Suite 102, Fort Collins, CO 80528
Own what matters
Own what matters

About Me


I go by Jim, I’m a recovering distance runner. who has dreams of cycling. Also, a struggling beekeeper and a part time meditator. Some of my hobbies are taxes, building bird houses and Tai Chi. I teach a small Neigong class twice a week. Recently discovering poetry. My dreams are completing a sustainable energy community project in Denver and helping families buy homes. 

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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.



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.


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.


5.0 out of 5.0 stars
Sep 29, 2022

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!
Apr 15, 2022

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!
Dec 23, 2021

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!!
Dec 14, 2021

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.
Nov 23, 2021

Cher, James, and the Cruz team were awesome!
Nov 24, 2021

The process was very smooth even though we are a challenging client. Great work thanks!

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Causes I'm
passionate about

NMLS ID #1862111
I am authorized to do business in the states of Colorado and Kansas.