Cesar Cruz

Job Title: Loan Officer

NMLS: 680585

Direct Line: (408) 829-6194

Office Line: (951) 765-1718

Email: cesar.cruz@pmrloans.com

State Licensing Information: CA-CA-DBO680585-12/31/2018

I have been a loan officer for over 20 years in the mortgage lending industry. A good amount of my experience comes from the banking side with mostly commercial banks, such as Bank of America, Chase and others, where I developed most of my current knowledge and experience.

The mortgage business is very complex and confusing to first-time buyers, as well as experienced customers, since we are in a highly regulated industry, and changes to programs and qualification standards take place almost too frequently. My passion is working with the first-time buyer and providing guidance every step of the way. This ‘hand-holding’ in itself is a very rewarding experience to help the new buyers along the way to reach their dream.

I have vast knowledge of the many products available in the marketplace to assist anyone, whether they are first-time buyers, move-up buyers, or investors. I am very knowledgeable in the diverse menu of programs available, and the different ways some loans may be structured.

Please feel free to give me a call at any time. It will be my pleasure to assist you in your mortgage needs.

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