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

Alfred and Colleen Alva

Oct 29, 2018

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.
Jeff with Amerifirst was great working with us on the purchase of our home. There were things thrown at us left and right and Jeff was always there to help us through. I highly recommend him and his team.
2 days ago
Home Buyer
Jeff, Morgan and the rest of the team were absolutely Amazing! They were always easy to reach and answer questions. Morgan did an outstanding job at getting us through all the hoops! They have my recommendation
Aug 8, 2020
Above and beyond is an understatement! You guys were able to get my client's loan done when others could not. Jeff and his team are truly what people should be trying to emulate in this business. Thank you for everything!
Aug 8, 2020
VA Buyer
Jeff was very helpful and patient throughout the entire process. He went the extra mile when others didn't in order to ensure that I can close on the property on time.
Aug 3, 2020
Working with Jeff and his team was a super smooth and easy process! My husband and I were first time home buyers and very nervous about the process. Jeff and Alicia made us feel very comfortable and educated us on the whole process. They made sure to check in with us during the process for updates or if we had any questions. They took very good care of us and got us in our dream home!
Aug 3, 2020
First Time Home Buyer
Amazing staff, that is very personable. Helped us to understand everything from step A to Z.
Aug 3, 2020
Excellent. I am very satisfied with the level of expertise and commitment received.
Aug 3, 2020
Yes, very responsive and always helpful. I rate Jeff and his team a 10.
Aug 3, 2020
First Time Home Buyer
Jeff was very knowledgeable and supportive in the process. Very Satisfied and would recommend to my family and friends.
Jul 19, 2020
Home Buyer
Purchasing a home can be stressful and overwhelming but working with Jeff made this process less of that for me. He was always available for any questions or concerns that came up. His knowledge and expertise got us through it all!
Jul 14, 2020
Jeff was always on top of whatever paperwork was being requested and understood that life still happens while preparing to buy a house. When I wasn’t able to provide paperwork immediately he understood and help keep things rolling despite this. Communication is key during this process and Jeff was always there for whatever questions or concerns I had.
Jul 6, 2020
Jeff was incredibly easy to work with and guided us through the process of our loan application, a complicated endeavor for first-time homebuyers. He worked with our timeline requirements and was able to get us from our initial offer to moving into our house in under 30 days. He was available throughout the whole process, even answering a couple questions I had over the weekend. I have no complaints and would highly recommend him to anyone seeking to apply for a home loan.
Jul 4, 2020
My fiancé and I just purchased our first home, and Jeff was an integral part of making our experience so smooth. Great communication throughout the process and a pleasure to work with.
Jun 30, 2020
Great experience working with Jeffrey Cruz. Was easy to reach by phone, email or text. Answered our questions quickly. Would highly recommend!
Jun 24, 2020
bHome Buyer

We just wanted to say that Jeff and his Amerifirst team did a great job with our mortgage loan.

Jeff was always available to answer any questions we had, and he was thoroughly knowledgeable about the VA loan process.

If we ever buy another property, we will seek Jeff out, and in fact, a friend of mine is looking to buy a home, so I am giving him Jeff's contact info.

Thank you,
Wallis Sanborn
Jun 22, 2020
Home Owner
Jeff was very courteous and helpful as we proceeded through the process and paperwork to complete our home refinance. There was an additional form or two that were recognized as needed later in the process that it would have sped the process if they were a part of the original packet. The process went smoothly and Jeff was always quick to respond to any questions we had, daytime or evening hours.
Jun 20, 2020
Veteran and 1st Time Buyer
Jeff and his team were great in every way, and I would return to Jeff for help if I ever needed another property loan.
Jun 17, 2020
I highly recommend Jeffrey Cruz for his professionalism and how smooth he made my home purchase process. We were pressed for time and through it all he was there to follow through with such peace. I'm thankful for my realtor's recommendation and will definitely refer Jeffrey to others.
Jun 14, 2020
Jeff and his team made the loan process simple and easy.
Jun 10, 2020
Extremely professional and excellent service. Answers all calls and emails immediately. Never had to worry about anything.
Jun 2, 2020
Payroll Specialist
Thank you so much Jeff for making the process of purchasing my new home seamless. I couldn't have asked for anything better! You are truly the BEST!
May 22, 2020
Sales Representative
Very professional team, they make everything easy for you. It was a pleasure working with Jerry and his team.

So happy of getting my first house, thanks to you guys.
May 20, 2020
Support Manager
Jeff and his team were amazing and very easy to work with.
May 19, 2020
Jeff and his team did a phenomenal job. They communicated with me every step of the way.
May 18, 2020
General Manager
Jeff and his team did a fantastic job getting our house closed. We were on a tight time frame and Jeff made it happen. He communicated thru the entire process and made the purchase of our new home seamless. Jeff and his team are true professionals and I would recommend them to everyone. Thanks Jeff.