Your Homeownership Goals. Our Expertise. Your Clear Mortgage Plan.
PERSONALIZED MORTGAGE GUIDANCE
With over 20 years of mortgage experience, The Cruz Team helps homebuyers explore financing options, understand their monthly payment and cash-to-close, and move forward with confidence.
180 Google Reviews · 5.0 ★ Google Rating
650+ Families Helped
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![Kevys V. Google review profile avatar]()
Excellent experience! The entire process was smooth and professional. The team was knowledgeable, responsive, and always willing to answer questions and provide guidance.
Kevys V. · Google review
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![Pierina P. Google review profile photo]()
I had an exceptional experience with this mortgage company during the purchase of my apartment! The team stayed on top of all the paperwork, followed up consistently, and kept in close contact with me throughout the entire process. They took the time to explain every step and made sure I understood everything leading up to closing. Buying a home can be stressful, but their professionalism, patience, and dedication made the experience so much easier. I truly appreciated feeling informed and supported from start to finish. Highly recommend!
Pierina P. · Google review
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![Giselle J. Google review profile photo]()
I had a great experience working with this Team with my HELOC application. They were professional, knowledgeable, responsive, and made the entire loan process much easier to understand. They answered all of my questions, kept me informed throughout the process, and worked hard to make everything go smoothly. I recommend them 100%.
Giselle J. · Google review
Buy a home
First-time homebuyer options. Step by step process explained.
Get cash
Home Equity Loans, Cash Out Refinance, Personal Loans
Lower Payments
Lower your monthly payments by refinancing. Free up cash flow to do more in life!
More Than an Approval. A Clear Plan for Your Home Purchase.
Understand your goals
We start with your needs, priorities, and timeline.
Know your numbers
Review estimated monthly payments, cash-to-close, and a comfortable buying budget.
Explore your options
Compare financing strategies that fit your situation.
Move forward confidently
Understand the steps from application and approval through closing.
Your Path to Homeownership in 3 Steps
1 Application & Approval
We review your goals, finances, and options, then guide you through your application and approval.
2 Home Search & Offers
Shop with confidence knowing your budget and numbers, and get support as you make offers.
3 Contract to Close
We coordinate the details and keep you updated from contract through closing day.
Explore Hometown Heroes 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 for eligible buyers, subject to program availability and funding.
0% interest on the assistance loan (you don’t pay interest on the help you receive), subject to program terms.
No monthly payments on the assistance loan, subject to program terms — it’s deferred until you sell, refinance, or pay off your home.
Frequently Asked Questions
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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.
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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.
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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.
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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 650 families helped, we have the experience to back it up.
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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.
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.
Ready to Build Your Mortgage Plan?
It’s easy to work with us! Just claim your FREE consultation, and get expert support every step of the way.