Right from the start of the house buying experience, Jeff took time to learn a little about my bride and myself. He is very personable, easy to talk with and relate too.
during the initial consultation he explained the process in detail. He and his staff were always available to answer questions and concerns. I liked the weekly email updates and how attentive the staff is. This was by far a lot better buying experience from what I had in the past. I will gladly recommend him and the staff to all my friends and family.

Dennis Goff

Shipping Coordinator
Apr 21, 2020

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
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.
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
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
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
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.