Communication, Integrity, and Service with the Utmost Regard for You.
Charissa Cruz
Loan Officer
NMLS# 246806
About me
Hi! I'm Charissa "Cher" Cruz of the Cruz Team. With over 15+ years of experience and an unwavering commitment to service, my team serves communities across Colorado including Denver, Front Range, Highlands Ranch and Fort Collins. We offer expert guidance, honest communication and personalized care - every step of the way. Our goal is to help you navigate the mortgage process with clarity and confidence.
Our expertise includes, Down Payment Assistance, Conventional, FHA, VA, Jumbo, as well as Bank Statement, Asset Depletion financing. Whether you're purchasing your first home, building a property portfolio or tapping equity from an existing investment, we understand the importance of finding the right loan product for you. Our process is personalized to meet your unique needs and goals.
More than just loans, our mission is to educate and empower borrowers to build lasting prosperity, inspire hope and strengthen communities we serve, one home, one family, one community at a time.
On a personal note, I grew up in Colorado. I love traveling - having lived in Hong Kong, Italy and Brazil. I love languages, cooking and learning. My husband and I have a small homestead and have raised honeybees for many years. We also have a menagerie of animals including dogs, chickens and pot-bellied pigs. You will find us out exploring the trails by foot, by bike discovering the beauty Colorado has to offer.
Thank you for visiting our site. Team Cruz is excited to work with you and grateful for your trust in us.
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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.
Product Info
Testimonials
Cher was wonderful to work with! She always took the time to make sure that we understood everything and helped make the numbers less scary. She is also incredibly personable and you can tell she really cares.
Char was very professional and went over and above to assist with a challenging transaction.
Charissa was very helpful and walked through every step / question that I had! She was prompt and duedilegent !
Charissa was amazing! Always kept me in the loop and the transaction was smooth and stress free!
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.
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 .
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