Jeff has been a pleasure to work with since I met him years ago. Anytime I have needed anything or have had questions he has always answered my phone calls or text right away and I really appreciate that. He's always accessible. In this business communication is key and Jeff understands that. I feel at ease recommending my clients to Jeff and know he will get the job done.

Melissa Vargas

Realtor
Mar 24, 2017

Jeffrey Cruz

Branch Manager/Senior Loan Advisor AmeriFirst Financial of Texas NMLS #225971
Dedicated to serving and adding value to my clients, partners and team members.
Feb 18, 2019
Home Buyers
★ ★ ★ ★ ★
Jeff went above and beyond making sure that we were involved and understood the whole process. As first time home buyers, his experience and attention to detail were invaluable.
Jan 30, 2019
System Developer Specialist
★ ★ ★ ★ ★
Jeff and his team were very professional, responsive and always keeping me updated. This was my first time buying a house and the process could not have been smoother. I was kept in the loop, any questions were promptly answered and they exceeded my expectations.
Jan 28, 2019
First time home buyer
★ ★ ★ ★ ★
Buying a house for the first time can be nerve racking. This company made it so fun and easy to pursue my dream into becoming a home owner. I couldn’t be more happy with the amazing customer service provided by all the employees that helped me through this journey. I highly would recommend Jeffrey Cruz to everyone I know. They work fast, and are very patient. They kept me updated every step of the way. Great communication, I’m just so thankful. Thank you again!
Jan 21, 2019
Sales Manager Barrett Jaguar
★ ★ ★ ★ ★
Best mortgage experience I’ve ever had.
Jan 11, 2019
IT manager
Buying a house is the most biggest investment one can make.
Many emotions, legal jargon and just expected stress comes into the mix.

Jeff’s team is very professional, seasoned and handles well beyond expectations the entire process of getting funded for your dream home.

My wife and I felt very secure and confident with Jeff and his team.

I highly recommend doing business with Jeff & Co if your seeking a hassle free financing process.

Regards,
Jeff Spangler
Jan 4, 2019
First Time Home Buyer
★ ★ ★ ★ ★
I felt that I could relax as Jeff and his team got my home purchase ready. That’s all I wanted and I got it!
Dec 31, 2018
Resturant Manager
★ ★ ★ ★ ★
Very impressed in how patient and teachable in you are in making business , in business for the people. , to get where they need and want to be in life. IT was truly an expierene. Thank You and Your Team at Amerifirst.
Dec 17, 2018
Financial Management Analyst
★ ★ ★ ★ ★
Jeff and team were thoughtful and quick to answer any questions we had while purchasing our first home. In one instance, he not only was reachable during normal out of office hours, but he came back to us within five minutes with projections on any financial impact for a house we potentially liked. Jordan steered us in the right direction for purchasing home owners insurance, informing us that the initial estimate we received was well over $1000 on what had to pay. Above and beyond job, thank you team.
Dec 14, 2018
★ ★ ★ ★ ★
Jeff and Bob were great to work with. They kept me and my agent updated all through the process. The mortgage process can be stressful, but they were there for me every step of the way. Thanks guys. I am now in my new home.
Dec 6, 2018
Home Buyers
The service from Jeff and his team was excellent. We liked that you were always there to answer my questions that I might have and you were willing to work with our time table.
Dec 3, 2018
Sr Accountant
★ ★ ★ ★ ★
This was my 3rd time buying a home, and I have to admit, this was the smoothest one yet. Jeff and his team, kept me informed every step of the way. They are all so professional, yet make you feel like a person and not just an account.
Nov 29, 2018
Retired
★ ★ ★ ★ ★
Jeff Cruz and his team were amazing. They always answered every question I had and explained everything very well. I loved how his team always kept me up to date on the status of my purchase.
Nov 20, 2018
Driver, Office Asst
★ ★ ★ ★ ★
Jeffrey and his team Jordan and Alicia are very easy going, wonderful people who you immediately feel comfortable with. We were originally approved by other larger lenders with same interest rates but a lower approval amount. We wanted to be approved for a much higher amount and Jeff and his teamworked hard to get us that and succeeded. There were times I had questions and called them on their day off and they were always available for us, no matter what time it was. Buying a house is very stressful, but when you have them by your side it's like dealing with your own co workers/ family. They will be with you'll thru your journey 100% and get you approved for the highest amount you can get from any other lender, guaranteed. I highly recommend them to you.
Nov 12, 2018
GIS Analyst
★ ★ ★ ★ ★
I could not have had a better experience buying my first home. The team at AmeriFirst Financial explained everything so clearly and ensured that I had full understanding of every step of the home buying process. They were quick with responses and very clear about everything they needed from me.
Oct 29, 2018
Retired
We are both from Riverside County, California and putting our house on the market, plus looking for a Texas home at the same time was not easy.

How do you trust someone you never met with all your personal information 1800 miles away! It was our destiny to meet Jeff Cruz by phone coming from another lenders secratary! Since I mentioned that I was looking for a manufacture home to this secratary she mentioned Jeff Cruz was an expert for the task. Jeff returned my call and we spoke for about 30 minuites. He was so positive and comfortable to speak with that I decided to take a chance.

The rest is history now, since we found the perfect home in Bandera, Texas. Step by step Jeff would request the documents required to get a pre-qualification letter and he sent that letter within days and started calling realtors for inquiries. Texas is a great place to retire because the housing market is hot right now. Comprared to California's high prices you can buy two homes in texas with land!
I must mention the 'Jeff Cruz Team', they are exceptional and in contact at all time with any questions, concerns, and documenting steps along the way so you never fell out of control.

Thank you Jeff, you delivered on time every time.

Alfred and Colleen Alva
2018
Oct 26, 2018
Home Buyer
★ ★ ★ ★ ★
The level of service we received from Jeff and his team was excellent.
Communication was key in this transaction. We were located in California during our initial search of homes in Texas. Jeff was referred to us by another lender since amerifirst loan on Manufacture homes. Jeff called me and we spoke for 30 min and I was comfortable with him. The Jeff team kick in and requested all the docs needed for pre- approval and we hit our first target. 60 days later we were in Texas. We started with a 150k budget and soon moved to 175k budget with Jeff’s team approval. We have found a Diamond in Bandera to retire and get some chickens and go fishing. We are happy with our experience with Amerifirst!
Oct 19, 2018
First Time Home Buyer
★ ★ ★ ★ ★
The experience of being a first time home buyer can seem stressful. But AmeriFirst Financial eased our worries and guided us through the entire process. They are a wonderful well working team that get things done and keep the buyer informed at all times. I would highly recommend AmeriFirst Financial to friends and family.
Aug 31, 2018
Mr.
★ ★ ★ ★ ★
It was really fast and we closed. I highly recommend Jeff and his team!
Aug 20, 2018
Home buyer
★ ★ ★ ★ ★
Jeff is our guy! Worked with Jeff for many years .. ...your satisfaction is his #1 priority.
Even though he's a "branch manager" he's still just a text or call away anytime... i recommend him with no hesitation. You get 5 golden stars from me sir .... Thank you!!!

P.s he'll hand deliver you a plant picked from his personal garden at closing... haha that's awesome
Aug 16, 2018
Equipment Operator
★ ★ ★ ★ ★
I would like to thank you and your team for the great service you all did for me and my family. We really appreciate the time and personal attention you all took to make this dream of ours a reality. You guys really simplified what would have been a confusing process. I would not hesitate to recommend future home owners your way.
Thanks again,
Mendoza Family
Aug 15, 2018
Great Job. Very knowledgeable and answered all my questions.
Aug 13, 2018
Park Ranger
★ ★ ★ ★ ★
Jeff Cruz & his team are great. They made our first home buying experience amazing. They answered all our questions and even questions we didn't think of. If you need a Professional and Knowledgeable Lender? Then, Jeff Cruz & his team are what you need!
Aug 6, 2018
Amerifirst:

What can I say !!!
WOW, INCREDIBLE, I live in Kingwood, Texas and Jeff's Team is based in San Antonio. They made our home buying experience so easy.

Everything was up-front, no hidden forms, no secret apps or back-door websites.

Follow your progress on their website with your own passwords. We closed and had our keys in our hands in just under month.

Thank You,

Leonardo Mitchell
Kingwood, Texas
Jul 31, 2018
Move Up Buyer
★ ★ ★ ★ ★
Best experience ever , very friendly and professional team.. .... they help me to the end ... buying and choosing a house is not easy ... with them it was ....++++++ good service... Excellent!
Jul 24, 2018
HOMEOWNERS
★ ★ ★ ★ ★
FIRST OF ALL WE WOULD LKE TO THANK YOU FOR THE RETURN ADDRESS STAMP..
NEXT DID NOT WORK TOO MUCH WITH YOU, BUT WE WANT TO THANK YOU AND THE GANG AT AMERIFIRST FOR ALL THE HELP YOU GAVE US TO BUY OUR HOME
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My Associations

AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright 2018. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AZ: Arizona Mortgage Banker License No. BK0013635; CA: Licensed by The Department of Business Oversight under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee; NJ: Licensed by the New Jersey Department of Banking and Insurance; WA: Washington Consumer Loan Company License No. CL-145368. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA).