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!
★ ★ ★ ★ ★

Frances McClintock

Home Buyer
Jul 31, 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.
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
Officer
★ ★ ★ ★ ★
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
Realtor
★ ★ ★ ★ ★
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.
Dec 3, 2020
Repeat Client
★ ★ ★ ★ ★
This is the second time we've used Jeff for our mortgage. We had a great experience both times!
Dec 3, 2020
★ ★ ★ ★ ★
Jeff and his team provide superior service, go above and beyond and made sure I was well informed in the process. This was my 2nd loan with them.
Dec 3, 2020
Realtor
★ ★ ★ ★ ★
10! Constant Communication
Dec 3, 2020
★ ★ ★ ★ ★
Jeff and Arnold were fantastic through our entire home buying experience. They were very communicative through every step of the process and were always extremely responsive whenever we had questions
Nov 30, 2020
★ ★ ★ ★ ★
Jeff and his team were extremely easy to work with and we closed 2 weeks early which was a pleasant surprise.
Nov 20, 2020
★ ★ ★ ★ ★
I went with jeff and team for the personal experience versus working with a loan company where you are placed in a call center and never speak to the same person twice. Jeff's level of service was excellent.
Nov 17, 2020
★ ★ ★ ★ ★
Jeff and his team did a great job walking us through the lending process. As first time homebuyers we had no clue what to expect and had so many questions. Jeff’s assistant, Morgan Cox, was and is a phenomenal and very smart person. She was exceptionally helpful and answered all my calls and emails quickly. I can tell she loves what she does by her actions and her kindness. It was a pleasure to get to know the team and we appreciate all the patience given during this process. I highly recommend Jeff Cruz and Morgan Cox! Thank you for helping us make our dream come true!
Nov 2, 2020
Home Buyer
★ ★ ★ ★ ★
Jeff and Morgan did a great job. They took the time to make sure our complex deal went through. They went above and beyond to get us a positive outcome. They are awesome.
Oct 26, 2020
Case Manager
★ ★ ★ ★ ★
They were able to lock the lowest interest and they offered us the best service in the entire process. Great job and thank you for making our dreams come true.
Sep 24, 2020
Realtor
★ ★ ★ ★ ★
From the beginning of the home buying process until the very end, Jeff Cruz's team made it a very simple, smooth process! Always in constant communication and handle all obstacles with ease! A BIG THANK YOU to Morgan Cox for always answering the phone and answering any questions I had! I cant thank the team enough for helping my family purchase our forever home! THANK YOU VERY MUCH!


The Villarreal Family!
Sep 22, 2020
★ ★ ★ ★ ★
Working with Jeff was simply put “Easy”!! From the uploading of our documents, to the all hours of the day availability to ask questions and the quickness of the well documented process of getting our loan.
Sep 20, 2020
★ ★ ★ ★ ★
We have used Jeff and his team on multiple occasions and they have always provided excellent service and communication. We will continue to use them for any future needs and we always recommend them to our friends and family.
Sep 9, 2020
Legal Assistant
★ ★ ★ ★ ★
Jeffrey Cruz and his team were a vital part of helping me get the home of my dreams!! He got me pre-approved on a weekend, responded very quickly to all my dumb questions and followed up multiple times a week throughout the grueling contract process. Even with all the delays due to Covid, he had everything in place and we were able close only 1 day after the initial date. Highly recommend!!
Sep 3, 2020
First Time Home Buyer
★ ★ ★ ★ ★
Jeff Cruz and his team are awesome! They were extremely helpful and made my first time home buying experience easy and smooth! I would definitely recommend to my friends and family.
Sep 1, 2020
Retired Grandma
My recent purchase of a property in Texas proved to be very difficult. Jeff and Morgan worked long and hard to help make my dream of returning home to Texas a reality. Thank you for all the hard work and encouragement.
Aug 31, 2020
Realtor
★ ★ ★ ★ ★
Jeff and his team kept myself as buyers agent, the listing agent and title company informed with regular updates as to the status of the loan.
Aug 24, 2020
Retired
★ ★ ★ ★ ★
Jeff was awesome from the start. He is meticulous but funny in a way that makes you want to get everything you need to get the job done. This is the fastest closing time I have ever had (bought and sold over 10 properties in the last 25 yrs.). If you want and need a loan Jeff is your man to get the job done.
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My Associations

AmeriFirst of Texas, division of AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. © 2021. All Rights Reserved. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department's website. A toll-free consumer hotline is available at 877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. Written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website: https://www.sml.texas.gov/