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

Jeff Spangler

IT manager
Jan 11, 2019

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.
2 days ago
1st Time Buyer
Jeff came recommended to me and I couldn't be happier with the experience. Jeff and his team were very dedicated throughout, were available always for questions and I even received follow-up calls and messages on the weekends. His team also worked hard to help correct a property tax error made by the title company. Fantastic experience and easy process. I highly recommend Jeff and his team!
Jan 20, 2020
Jeff and his team went above and beyond my expectations -- answering my many questions, guiding me through every step of the process and being supportive throughout. I could not have had better service! I feel that clarity and professionalism was top notch.
Jan 3, 2020
Sales Manager
Very smooth process! I would highly recommend Jeff Cruz and his team. Great people to work with!
Dec 29, 2019
Home Buyer
Amazing service amazing experience first time buying a home thank you to all Amerifirst employees, Jeff, Alicia, and bob and my Realtor Sergio Martinez. Everything exceeded my expectations thank everyone.
Dec 24, 2019
It was a pleasure working with Jeff since day one.
Great communication with me, he always kept me updated on what was going on. Would definitely recommend Jeff to anyone, he made the process quick and easy for me.
Dec 24, 2019
Despite complications during the approval process, he made sure that we are happy at the end. Thank you Jeff.
Dec 23, 2019
School Teacher
I highly recommend Jeff and his team to help you with the process of financing your new home. They made my dream of many years come true. They are highly qualified and experienced to get you the best deal on buying your new home.
Dec 19, 2019
Working with Jeff Cruz was a delight. He was interested in to listening to our families plans and goals. He was also able to relay the right information, at the right time, and at a competitive rate. Jeff truly has your best interests in mind and will get the job done!
Dec 9, 2019
This was the second house we purchased with Jeff arranging financing. Jeff and his staff, especially Bob, provided an outstanding experience. Jeff's professionalism, along with his expertise, ensuresd that the process was executed flawlessly. We strongly recommend Jeff, and look forward to working with him in the future.
Dec 5, 2019
VP / Partner
I was referred to Jeff and his team from my bank. Being self-employed there are challenges to starting a new home loan process. Jeff and his Team did a fantastic job! Thank you AmeriFirst!
Nov 23, 2019
Fantastic experience. Jeff and his team kept us inform every step of the way on what was going on. Knew exactly what we needed and took care of us. Recommend him and his team to everyone.
Nov 17, 2019
Jeff and his team were great to work with. They made the home-buying process easy. Jeff took the time to explain the process and was available whenever we had any questions. Would recommend to friends and family.
Nov 8, 2019
Jeff and his team are awesome, they did a great effort to get everything together to get approved for my dream house. IAM very happy with them and greatful because it is very important for me to have my own place. I greatly appreciate their help and definitely will recommend them to my friends and family.
Nov 1, 2019
2nd time with Jeff Cruz Team
The experience was excellent. It was great working with Bob & Jeff getting our loan for our house . I definitely will referred my family and friends.
Oct 7, 2019
Mr Cruz were helpful with the loan process. He would always greed us and asked how things were going and ready to help when needed. His staff member , Michelle Moreno was great keeping us inform with the process.

Oct 7, 2019
Jeff and his team were quick and efficient. They kept me and my wife in the loop with what was going on. He made me and my family's move to San Antonio go smoother than other parts that I had to deal with.
Oct 5, 2019
We were extremely satisfied with the quality of service provided by your staff at AmeriFirst Financial during our refinance of our home. We were informed daily about the status of our account and given excellent explanation if we had any questions. We were assisted by your staff whenever we needed to provided any extra documents. We will be recommending AmeriFirst to our family, friends, and associates because of your excellent service. Thank you for all our refinancing!!!
Sep 23, 2019
First Time Home Buyer
Right from the start I knew this was the team that would help me make my dream come true! From beginning to end Jeff and his team were helpful, thorough and reassuring that our new home was on its way!
Sep 10, 2019
Jeff Cruz and team did an excellent job. They were super helpful and I am very satisfied with their service
Aug 12, 2019
Certified Pharmacy Technician
The Team was very very helpful and made this process very simple when it can be very stressful. This was my first home purchased alone and I needed a Team like this! Most of all, they were very kind and understanding.
I would highly recommend the Jeff Cruz Team.
Aug 6, 2019
Miguel Angel Bernal
This was an amazing experience, in the beginning I was really scared, I had I lot of questions, nervous. But from the first visit that we had in his office everything changed. Jeff and his team are amazing, they explain every step that we had to take and what is next. They will send you emails for every update that is happening, you know everything that is going on. And if you have any questions they will answer all of them with no problem. Jeff is involved in every step of the process so if you want to talk to him directly he will no have a problem.
I will recommend everyone to Jeff and his team.
Me and my wife love the experience of working with them.
%100 recommended
Thank you Jeff Cruz and your team.
Aug 4, 2019
Jeff and his team made the home loan experience easier with prompt responses to communications and regular updates as to where we were in the loan process.
Aug 3, 2019
All paperwork on my home mortgage went as expected. Keep up the good work.
Jul 31, 2019
Home Buyer
Jeff Cruz and William "Bob" Watson were extremely professional and thorough during my entire home loan and home-buying experience. I came to them with, I would say, more than the average person's number of questions and even presented to them on three different occasions with the intention of buying a home. Unfortunately, the first two home deals fell through during the option periods but neither of those first two defunct scenarios deterred Jeff or Bob who both were exceptionally patient. When I approached them a third time to finally get the home I knew was “the one,” they were able to consolidate information I previously had given from the first two attempts to save time and, quickly processed the updated information required to process my new loan for the new home. All closing paperwork was completed perfectly and on time! I also was kept apprised of where everyone was in “the process,” and Jeff and Bob were always ac cessible if I had questions or concerns. I wholeheartedly and resoundingly recommend Jeff, Bob, and the entire AmeriFirst Financial team!
Jul 26, 2019
Home owner
I love the Amir first team, one important thing Batman very much to me that other people do not offer this team offered communication patience explanation and most importantly they were always there to take my call if I ever had a question on my hand I love the AmeriFirst team, one important thing Batman very much to me that other people did not offer this team offered communication patience exclamation and most importantly they were always there to take my car if I ever had a question on my end. I have already recommended them to other individuals looking to purchase a home.