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!

Kristina M Shaw

International Radiology Coordinator
Apr 12, 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.
May 17, 2021
Excellent service... fast and extremely helpful
May 5, 2021
My wife and I decided to refinance our home. Jeff helped us with financing our first home, and we wanted to work with him again because of how easy he was to work with and how seamlessly the whole process went. I'm so glad that we worked with Jeff for our refinance. We were able to achieve everything that we wanted with our new loan thanks to Jeff's help!
May 5, 2021
Division Sales Director
Jeff and his team did a great job! They were quick to respond with any questions and did a fantastic job keeping us up to date on the progress of the mortgage through the entire process.

May 1, 2021
Jeff and his team made the process of buying our first home very manageable. Their honesty and integrity from start to finish were greatly appreciated. The online portal and their regular check-ins to keep us informed of how the process was moving were so helpful and greatly appreciated. I can’t say enough about how they made this very overwhelming process seem like a walk in the park. They took all the stress out of securing our mortgage. You will be very happy if you decide to work with Jeff.
Apr 27, 2021
Mr. Cruz, your team company has far exceeded all expectations of a Professional, Outstanding, Superb Company!!! Your Company sets the bar and the example of what every company should follow.


Apr 27, 2021
Home buyer
Jeffrey Cruz's team was awsome. Very professional and always had our backs. Went though the process of getting prequalified for our retirement home in Texas, and the final purchase of our home. They were very helpful and patient with us as the market in that area is very crazy right now. They made sure we were taken care of and everything was correct with the purchase. We would recommend them to everyone that wants a great company to work with. We also plan on using them again in the future. AmeriFirst-Jeffrey Cruz team is the best!!
Apr 12, 2021
Employed with the city of San Antonio Texas
Jeff is super patient very calm, understanding and really wants his clients to succeed in our goals for a nice future home. We called him a few times during the weekends and Jeff was extremely understanding we were fortunate to have been introduced to such a great group of financial institute humans AmeriFirst.

Morgan Cox who works directly with Jeff is a super star. We had an amazing relationship with her during this crazy and stressful purchase. I can recall how many times I called Morgan Cox(100X) . I really think I made the process stressful for myself. The entire group at AmeriFirst are amazing. My personal experience is truly a blessing of great people with tons of empathy. The company AmeriFirst has knowledge about how to get you into your dream home within reason. I enjoy the honest upfront TRUTH.
Please choose wisely a financial institution can make or break your goals. AmeriFirst is #1.
Apr 10, 2021
Associate Clinical Professor at TWU School of Nursing
Chantel was so patient and persistent guiding us through this process and massive paperwork that needed to be submitted.
Mar 29, 2021
Wonderful experience working with Jeffrey Cruz and his team! Definitely recommend for anyone trying to buy or refinance we definitely feel very blessed to meet Jeff he was able to help us when we thought we had no options he brought peace of mind in our finances and will always be great full with him. Thank you Jeff
Mar 19, 2021
Client Success Manager
Jeff and his team did such a great job! This was my first time purchasing a home, and they took the time to explain everything. They were incredibly organized, thoughtful, and punctual. I would send anyone to Jeff because I know they would be in the best possible hands. Thank you Jeff and Team!
Mar 15, 2021
Jeff n his team are great to work with.
Mar 8, 2021
Jeff was very helpful and respondent to us with our needs and questions that needed answers in a timely manner regarding the refinance of our home. I would recommend Jeff to anyone in need of answers regarding their mortgage regardless if it is a purchase or refinance of an existing home. He is very knowledgeable in the field and displayed a professionalism that made us feel comfortable with the process throughout, he and his team are top in their field.
Mar 5, 2021
Realtor / Real Estate Investor
Being self-employed, it is not easy going through the loan process. Jeff and Morgan kept me on track and were available after normal business hours. I had tried borrowing where I bank, but there were too many hurdles not reaching people. You need someone who answers their phone, or gets back to you quickly. Jeff was very professional and would use again.
Jan 29, 2021
Jeff and his team worked through several mortgage deals and refinance deals for clients and I. Tremendous team effort and dedication to their clients.
Jan 21, 2021
Director of Operations
Would not recommend under any circumstances. Other lengthy review was deleted
Jan 20, 2021
Senior Manager
Jeff is very nice and helped me in timely closure and lowest interest rate.
Jan 19, 2021
Healthcare Consultant
I can't recommend Jeff strongly enough. I am a recent first time home buyer and knew next to nothing about the home buying process when I started on my journey a year ago. Jeff sat down with me and explained the whole process to me, answering my many questions along the way. It made me far more comfortable with the process after meeting with him and just learning how everything would go after I found a house.

In this market, you have to move quickly on a house and Jeff was able to provide me with the documents that I needed to make an offer as soon as possible. I could reach him or his team and they got me what I needed ASAP. You will know what is going on with you loan or what they need for you. They are very good about communicating and I would get updates on a consistent basis.

I think another aspect of Jeff and his team that truly set them apart is their compassion. I, along with many others, lost my job in 2020. I had to back out of an offer on a house and was so disappointed. They completely understood and gave me the time I needed as I was looking for employment and getting my feet back under me. They didn't hound me or keep asking when I was ready to get into a house. They understood the situation and when I was ready to start looking again after I found a new job, they were right there to support me along the way!

I feel so fortunate to have such a great lender because I know that is certainly not the case with everyone. I know that whenever I move into my next house in the future, I will absolutely be working with Jeff again.

I also have to mention his wonderful team, Alicia and Morgan. Both were so professional and patient with me. He has some great people working with him!
Jan 9, 2021
Jeffrey Cruz and his team did an outstanding job with our mortgage refinance. He was very knowledgeable and answered all of our questions. His team stayed on top of all the paperwork that was necessary and was easy to work with. I would definitely recommend Jeffrey Cruz to my friends and family.
Jan 4, 2021
Jeff and his team were incredibly helpful through the re-finance process. It was our first time re-financing a home and his team was helpful through every step of the process.
Dec 29, 2020
Jeff was absolutely great. He was very involved in making sure you felt comfortable with making the biggest decision of your life. Jeff will make sure you get the lowest rate and the best loan for your new home. I would definitely recommend him.
Dec 14, 2020
Business Analyst
Jeffrey Cruz and his team did an amazing job! I am a first time home buyer and Jeffrey told me ALL my options and all the information I needed since I came into this not knowing how this process worked. Him and his team were there for me since day one answering all my questions, making sure I knew they were there if I ever needed anything even AFTER closing. Jeffrey and his team have been such a big help and I definitely felt comfortable and at ease having them help me buy my first home. I will always recommend them to my friends and family when I know they are starting to look into home loans. By far the best lender I’ve ever had the pleasure of meeting and dealing with!
Dec 8, 2020
Knowing that I can reach out to an LO on weekends or evenings and get a response is huge and Jeff and Amerifirst do just that.
Dec 7, 2020
This is the third time we have used Jeff to finance our home, and as always he has been great to work with. I would recommend him wholeheartedly.
Dec 7, 2020
Director of Children Services
Mr. Jeffrey Cruz and his staff were very professional and efficient throughout the entire process. I highly recommend his expertise particularly dealing with the military VA loan application.
Dec 7, 2020
First Time Home Buyer
From the beginning of getting my home loan Jeff and his team were so helpful. Even more during the whole process and any time I needed any questions or clarification they were literally one call away. During the whole process until the end they made sure to make me feel so comfortable of getting my first home ever. I would definitely recommend Jeff and his team to anyone I know.