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Senior loan officers , Caliber Home Loans , Experts in mortgage loan , Foreign Nationals
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Our Mission

The Cruz Team is dedicated to guiding our clients through the homeownership journey with integrity, expertise, and personalized service. Our mission is to simplify the mortgage process, offering a diverse range of loan products and tailored financial advice. We ensure that every client receives the support and information needed to make confident, informed decisions. At The Cruz Team, your real estate goals are our priority, and we are committed to turning your homeownership dreams into reality.

Our Vision

The Cruz Team's vision is to set the standard for excellence in the mortgage industry by consistently delivering personalized guidance and exceptional client experiences. We aspire to be the trusted partner for all homebuyers, helping them navigate their journey to homeownership with confidence and ease.
About us

The Cruz Team

With over twenty years of experience in the residential mortgage industry, Oreste Cruz understands your needs. Becoming a homeowner is an exciting journey, but it can be challenging and exhausting without the support of an experienced and knowledgeable professional. At The Cruz Team, we are dedicated to guiding you every step of the way, ensuring a smooth path to the finish line. Our commitment extends to serving the real estate community and fostering the growth of homeownership.

Services

Stress-free home buying experience

With Caliber’s wide range of home loan products, we give our borrowers the information they need to make educat- ed decisions during today’s high paced Mortgage market. Our 5-minute pre-ap- proval is just one example of how we understand our client’s sense of urgency. We prioritize our clients real estate goals and it shows it our teams success. So join The Cruz team on your home journey and contact me today.

Purchase

The majority of Americans still believe a 20% down payment is required to buy a home.  This is simply not true

Refinance

To refinance a mortgage means to replace an existing mortgage loan with a new one. With a refinance, the principal balance of the existing loan is paid-in-full using the balance of the new loan.

Conventional Loan

A Conventional loan is a loan that is not backed by a federal agency, but instead backed by private lenders such as Fannie Mae or Freddie Mac.

FHA Loan

An FHA Loan is a mortgage that’s insured by the Federal Housing Administration. 

VA Loan

VA loans are designed specifically for veterans. VA loans should only be issued by a VA-approved lender and are guaranteed by the federal government.

Jumbo Loan

A jumbo loan is a loan that falls outside of the conforming loan limits.

The Cruz Team

We are committed to offering not just a service, but an experience that sets us apart. Our dedication to providing the best rates, products, and service underscores our mission to make your financing journey as seamless and rewarding as possible.

Contact Us Today