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

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.
Jul 8, 2019
First time home buyer
Jeff made the whole home buying process very simple to understand. He was always willing to explain anything I asked about, which was helpful for me going through my first home buying experience.
Jul 8, 2019
Retired Soldier
Jeff was very helpful in getting us our first home. He was very patient as we constantly asking question and pressuring him getting our stuff moving.
Jul 5, 2019
Home Buyer
We were very fortunate to find out about Jeff Cruz and AmeriFirst Financial, Inc. We were shopping around for a financial institution that would provide a loan for a Manufactured Home and we were quite surprised to find that most of the banks we reached out to were outrageous! Thanks to the team at AmeriFirst, we not only got a great rate, we received excellent customer service! I would highly recommend Jeff Cruz and his team of professionals! I really appreciate the fact that they provide weekly updates on the progress of your loan which helps alleviate some of the stress!
Jul 1, 2019
Home Buyer
From my initial meeting until after the closing, your team was patient, friendly, professional--just on "top of its game." Any question that I had was clearly and fully answered. I am still so surprised (and very grateful) that my bid was on June 3 and I closed on June 25--less than 30 days! Such efficacy is accomplished only through the fine coordination of a team that works well (I would surmise) under pressure. Thank you Jeff Cruz and team for a job well done!
Jun 30, 2019
First Time Home Buyers
We’re a first time home buyer and new with the whole process. Jeff explained every step of the way and very accommodating with our situation. It was a last minute decision for us to buy a house, instead of renewing our rental home. That being said, he made sure we’re able to move in to our new home before the end of our lease (Jun 28). And that happened within 3 weeks. This also applies to our Realtor, Gina Fontenot... she made everything happened and possible. Thank you both for all the help and understanding. You made this experience very smoothly for our family.
May 28, 2019
Absolutely exceeded expectations! The fact that this was done during the first half as a HIP program and then switched 3/4 of the way through as a better option for my buyer was outstanding! Closing costs came in way lower than he was expecting and he was happy with the final outcome. Overall an A+ job by Jordan and Jeff
May 15, 2019
Member Services
The team at Amerifirst did an outstanding job. When I first called Amerifirst the lady who answered the phone took my information and set up an appointment to meet with Jeff . I met with Jeff and felt confident that everything would be ok. The team helped me reach my goal to buy my home. I highly recommend Jeffery Cruz.
Apr 27, 2019
Global Accounts Manager
I first met with Jeff on a recommendation from my realtor, Valerie Alexander back in November. I had been living in an Airbnb since July, and was anxious to find a new home in San Antonio. Jeff and his team were with us every step of the way, and made the process simple. Once I found a home, since I had been pre-approved, the AmeriFirst team got me closed in a very short period of time. All aspects of the loan process were explained fully, and no surprises at closing.

Thank you AmeriFirst team!
Apr 19, 2019
Jeff and his team were amazing throughout the entire process! From the Initial meeting of if my dream of buying a house is even possible to let me adjust what I want to spend in my goals to finding me the right lender when it’s needed and all the while being so kind courteous and respectful. I don’t plan on moving anytime soon but when I do I will be using Jeff and his team again.
Apr 15, 2019
At first it seemed as though I might have not gotten into a home but as my wife and I progressed with the loan at Amerifirst, it seemed possible. Bob Watson really help in every way possible to help us get into our home and even when you had a question or request they find a solution. It has been a great experience for ours at Amerifirst.
Apr 12, 2019
International Radiology Coordinator
Thank you so very much for all of your help in securing our loan for our first new home. You were organized, thorough and professional, as well as kind which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as people rather than just home loan customers. You, Bob and Alicia stand above the rest! Your team will be top of the list recommended to our friends and family. Our hats off to you!
Apr 12, 2019
First Time Home Buyer
Jeff and his team's level of service was excellent. These guys worked so hard to get me into the perfect home for me! Way above and beyond the call of duty and did it with a smile! I would recommend them to family members or friends.
Apr 10, 2019
Home buyer
Guided me through all the
Dreams of lapped.He returned myquestions with answers .and shirt me.
Mar 29, 2019
Service Writer
I highly recommend Jeffrey Cruz and his team, they are very professional and are eager to help you in any way. They guided me through the whole process of buying my home, explained everything in detail and even helped me with getting my credit score higher so that I could qualify for the loan.
Mar 19, 2019
Maintenance Manager
I recommend Jeff Cruz and his team to anyone wanting to buy A Home
they went above and beyond to get me my house
Mar 18, 2019
Executive Assistan
Very easy to work with, and kept me in the loop the entire way! Great team!
Feb 25, 2019
Jeff was very attentive to our real estate needs. He answered all of our questions and provided multiple options for us. Easy recommendation!
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.

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.