
Carlos Cruz
Loan Officer
NMLS# 2779596

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Mortgage Blog
June 2026: More Homes, More Opportunity: What’s Happening in Today’s Market
When Will Mortgage Rates Go Down? Mortgage rates have remained in the mid-6% range, with…
How to Beat Out Cash Buyers When Buying a Home
In today’s real estate market, cash home buyers are often seen as competitive because their…
How a Reverse Mortgage Line of Credit Can Help Bring More Confidence to Retirement
Retirement planning is about more than how much you have saved. It is also about…
May 2026: Homebuying Guide: Tips, Tools & Opportunities
Is a Heloc Right for Me? Your home isn’t just where you live, it can…
What Happens When You Miss a Mortgage Payment?
Life happens, and sometimes that means you might miss a mortgage payment. If you’re in…
How to Navigate Buying a New Construction Home
Buying a new construction home is an exciting opportunity to create a space that truly…
Meet My Team
We make it happen by combining our expertise, dedication, and personalized approach to ensure your dream home becomes a reality.

Kimberly Garner
Loan Officer Assistant

Sarah Citzler
Loan Officer Assistant

Jacquelyn Sada
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