The Cruz Team - Academy Mortgage

The Cruz Team - Academy Mortgage Guild Mortgage l 1951 Wilmington Drive, Suite 102, Fort Collins, CO 80528 l Equal Housing Opportunity; Company NMLS #3274; nmlsconsumeraccess.org.

For more licensing information, please visit www.guildmortgage.com/licensing. Charissa “Cher” Cruz
Senior Loan Officer - NMLS #246806 l I am authorized to do business in the state of Colorado. James "Jim" Cruz
Loan Officer - NMLS # 1862111 l I am authorized to do business in the states of Colorado and Kansas. Mobile: (720) 226-6651 | Direct: (303) 914-3820
Office: 303-914-3841 | 970-530-0450
E-mai

l: [email protected] or [email protected]
Guild Mortgage Company NMLS #3274; Equal Housing Opportunity; nmlsconsumeraccess.org.

5.0 star review received on Experience.com for Charissa Cruz by Casandra B - Buying  a  home  seemed  out  of  reach  fo...
12/04/2025

5.0 star review received on Experience.com for Charissa Cruz by Casandra B - Buying a home seemed out of reach for us, but Charissa made it possible. I cannot thank her enough.

Click to see all 111 reviews of Guild Mortgage - Charissa Cruz, Mortgage Advisor | NMLS # 246806

5.0 star review received on Experience.com for Charissa Cruz by Kyle H - Charissa and her team are the best. The loan pr...
12/02/2025

5.0 star review received on Experience.com for Charissa Cruz by Kyle H - Charissa and her team are the best. The loan process of the home buying experience is the most tedious/frustrating part, but Charissa kept us informed and prepared at each step. She was always available and truly kept me from pulling my hair out on more than one occasion. I’m so very grateful we had her on our side during this process.

Click to see all 109 reviews of Guild Mortgage - Charissa Cruz, Mortgage Advisor | NMLS # 246806

5.0 star review received on Experience.com for Charissa Cruz by Mary K - I have done many transactions with Cher and the...
11/18/2025

5.0 star review received on Experience.com for Charissa Cruz by Mary K - I have done many transactions with Cher and they always gone smoothly because of Cher's experience, dedication, knowledge, great communition and superior customer service. I recommend Cher Cruz to all of my buyers.

Click to see all 107 reviews of Guild Mortgage - Charissa Cruz, Mortgage Advisor | NMLS # 246806

5.0 star review received on Experience.com for Charissa Cruz by Carla J - Everyone  we  interfaced with  was professiona...
11/18/2025

5.0 star review received on Experience.com for Charissa Cruz by Carla J - Everyone we interfaced with was professional, very responsive and such a pleasure to work with.

Click to see all 106 reviews of Guild Mortgage - Charissa Cruz, Mortgage Advisor | NMLS # 246806

5.0 star review received on Experience.com for Charissa Cruz by Jasmine C - cher  and  her  team  were super helpful  an...
09/08/2025

5.0 star review received on Experience.com for Charissa Cruz by Jasmine C - cher and her team were super helpful and answered all of our questions along the way

Click to see all 105 reviews of Guild Mortgage - Charissa Cruz, Loan Officer | NMLS # 246806

5.0 star review received on Experience.com for Charissa Cruz by Ricardo R J - Previous L.Os have been quite frustrating ...
09/06/2025

5.0 star review received on Experience.com for Charissa Cruz by Ricardo R J - Previous L.Os have been quite frustrating due to lack of communication and slow progress. However as soon as we were reffered To Ms. Cruz., our dream of owning a home was revived again. With constant updates, guidance and a clear route of this process, she took away most of the stress we would be facing otherwise. So thank you !!

Click to see all 103 reviews of Guild Mortgage - Charissa Cruz, Loan Officer | NMLS # 246806

5.0 star review received on Experience.com for Charissa Cruz by Ron D - Cher Cruz is an exceptional person and mortgage ...
08/14/2025

5.0 star review received on Experience.com for Charissa Cruz by Ron D - Cher Cruz is an exceptional person and mortgage banker. She is always our go to person for all things mortgage related. Highly recommended!

Click to see all 102 reviews of Guild Mortgage - Charissa Cruz, Loan Officer | NMLS # 246806

4.75 star review received on Experience.com for Charissa Cruz by Christopher P - Charissa was very helpful and patiently...
07/08/2025

4.75 star review received on Experience.com for Charissa Cruz by Christopher P - Charissa was very helpful and patiently walked me and my partner through our mortgage loan and explored options for first time buyer assistance programs. We felt informed and supported the whole way!

Click to see all 101 reviews of Guild Mortgage - Charissa Cruz, Loan Officer | NMLS # 246806

5.0 star review received on Experience.com for Guild Mortgage - Charissa Cruz by Jennifer V - Cher  was  wonderful  to  ...
07/02/2025

5.0 star review received on Experience.com for Guild Mortgage - Charissa Cruz by Jennifer V - Cher was wonderful to work with! She always took the time to make sure that we understood everything and helped make the numbers less scary. She is also incredibly personable and you can tell she really cares.

Click to see all 100 reviews of Guild Mortgage - Charissa Cruz, Loan Officer | NMLS # 246806

5.0 star review received on Experience.com for Charissa Cruz by Kristen C - Char was very professional and went over and...
06/10/2025

5.0 star review received on Experience.com for Charissa Cruz by Kristen C - Char was very professional and went over and above to assist with a challenging transaction.

Click to see all 99 reviews of Guild Mortgage - Charissa Cruz, Loan Officer | NMLS # 246806

5.0 star review received on Experience.com for Charissa Cruz by Amelia L - Charissa  was  very  helpful  and  walked  th...
04/14/2025

5.0 star review received on Experience.com for Charissa Cruz by Amelia L - Charissa was very helpful and walked through every step / question that I had! She was prompt and duedilegent !

Click to see all 98 reviews of Guild Mortgage - Charissa Cruz, Loan Officer | NMLS # 246806

5.0 star review received on Experience.com for Charissa Cruz by Lindsay R - Charissa  was  amazing!  Always kept  me  in...
04/11/2025

5.0 star review received on Experience.com for Charissa Cruz by Lindsay R - Charissa was amazing! Always kept me in the loop and the transaction was smooth and stress free!

Click to see all 97 reviews of Guild Mortgage - Charissa Cruz, Loan Officer | NMLS # 246806

Address

1951 Wilmington Drive, Suite 102
Fort Collins, CO
80528

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Hi! Here’s a little bit about me...

My name is Cher Cruz and I’d love to share a little bit about myself. I grew up in Lakewood, CO and after a brief 20 year stint living abroad, I came back to the same neighborhood where I grew up. Now, together with my husband and 2 kids, 4 dogs, 2 cats, 2 pot-bellied pigs, and over 900,000 other animals (8 bee hives), my home is my homestead. It is Bee-utiful!! I am delighted to have you consider my services. I have worked in finance for over 25 years and understand the importance of money management. I’ve had the opportunity to work in NYC for 15 years and Hong Kong for 5 years. My clients are my #1 priority and helping them remain CALM and CONFIDENT throughout the loan process is my goal. I have a dedicated in-house team to assist me. We believe communication is key and will be available to answer calls or emails throughout the process. We have over 200 loan products to choose from! I believe in finding my clients the right program whether you are investing in your dream home, refinancing your home to pay down debt, plan for college or looking for property investment options, there is the right loan program for you! I love giving my borrowers choices and finding the best solution for your needs. Some other fun facts about me. I am a Rotarian and have been involved in some amazing service projects. My grandfather was one of the founding members of Rotary and I had an opportunity to study in Brazil with Rotary and remain fluent in Portuguese. I love photography and videography, tai chi, and am an avid mountain biker. We are home brewers and make the best natural Root Beer and Kombucha in the west. Please connect with me and I’d be happy to share it with you! Travel is also big on my list. I have lived in Brazil, Italy and Hong Kong and traveled to over 20 countries and love learning about new cultures. I am a little bit gaga when it comes to animals. Your pets are always welcome in my office! Thank you for taking time to visit my website.

Charissa “Cher” Cruz Senior Loan Officer NMLS #246806 LMB #100032219 Academy Mortgage Corporation - NMLS #3113 300 Union Blvd. Suite 650 | Lakewood, CO 80228 Office: 303-914-3841 | Cell: 720-226-6651 E-mail: [email protected] An Integrity-Based Mortgage Lender – Equal Housing Lender Regulated by the Colorado Division of Real Estate