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We are here to make your financial needs a reality

Welcome To The Cruz Team

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+561 families

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Testimonials

  • A woman with glasses and long dark hair, smiling, wearing a navy blue shirt with a logo, against a white background

    I had the pleasure of working with Orestes Cruz and his team and I was not disappointed. He helped us move into our dream home and the whole process took us less than a month which I’m so grateful for. A fast and smooth process. Orestes is always available to take your calls and answer your messages And believe me, I asked a lot of questions. Thank you so much to you and your team once again you made our dreams come true !!!!

    Diana Canals

  • A smiling man and woman taking a selfie together indoors.

    I had such a great experience working with Orestes and team! From start to finish, they were kind, patient, and incredibly helpful. Buying a home can be overwhelming, but they made the entire process feel so much easier with their constant support and clear communication.

    Yashlin Marti

  • A woman with long brown hair smiling at the camera

    Definitely highly recommend. Orestes and his team exceeded my expectations in knowledge, professionalism , communication and problem solving, he did a smooth transactions with quickly results , he takes his time and dedication to explain any question my client may have in my last transactions

    Nora Orellana

  • Young girl standing in front of a house holding a white fluffy dog.

    La verdad que Dios pone ángeles para ayudar a abrir nuestros caminos y el equipo Cruz es una prueba de ello. Mil gracias por toda la ayuda y profesionalismo que me brindaron en el proceso de compra de mi casa.

    Angela Hinojosa

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Buy a home

First-time homebuyer options. Step by step process explained.

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Get cash

Home Equity Loans, Cash Out Refinance, Personal Loans

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Lower Payments

Lower your monthly payments by refinancing. Free up cash flow to do more in life!

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Get UP TO 35K in down payment assistance

Hometown Heroes Program is a Florida program that helps frontline workers and community heroes buy a home by giving them money toward their down payment and closing costs. It’s designed to make homeownership more affordable for people who serve our communities every day.

  • Up to $35,000 in assistance for down payment and closing costs.

  • 0% interest on the assistance loan (you don’t pay interest on the help you receive).

  • No monthly payments on the assistance loan — it’s deferred until you sell, refinance, or pay off your home.

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A woman holding a toddler and a man celebrating a house opening or birthday with balloons and a red ribbon in front of a modern white house.
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A group of five people standing inside a room, holding signs that indicate a real estate transaction. They are smiling and appear happy, with a gray sofa and a large black and white photo of a bridge on the wall behind them.
Three people, two women and a man, smiling and taking a selfie in an elevator, holding one folder and one box from One Conquest, a title page and an envelope visible.
Group of four people celebrating closing a deal at Blue Empire Title and Escrow, with a sign that reads 'Just Closed' and contact information, standing in front of a blue wall with the company logo.
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Frequently Asked Questions

  • With The Cruz Team, you don’t just get a loan, you get guidance, education, and a partner who makes sure you understand your options and choose the path that saves you time, money, and stress.

  • You don’t need perfect credit to buy a home. We’ve helped clients with all types of credit scores. There are flexible loan programs designed specifically for buyers who need a little extra help.

  • Nope! Many loans start at just 3–3.5% down, and assistance programs can help cover part of your down payment and closing costs. Don’t let the 20% myth hold you back.

  • We don’t stop at just getting you approved — we compare programs, rates, and terms to make sure you’re set up with the smartest option. With over 500 families helped, we have the experience to back it up.

  • Start by checking your credit score, reviewing your budget, and saving what you can for a down payment and closing costs. But the best way to prepare is to have a personalized plan. Contact us, and we’ll create a step-by-step guide tailored to your situation so you know exactly what to do next.

We’ve helped over 561 families achieve their homeownership dreams

It’s easy to work with us! Just claim your FREE consultation, and get expert support every step of the way.

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Contact Us – Request a Call Back

Have questions about your mortgage options? Leave us your details and our loan specialist will give you a call at your convenience. We’re here to provide clear answers and personalized guidance so you can move forward with confidence.