Jeff Cruz Team at Guild Mortgage

Jeff Cruz Team at Guild Mortgage We have loan options to fit every situation, from down payment assistance programs for first-t...

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

5.0 star review received on Experience.com for Jeffrey Cruz by Heather M - I was impressed with the professionalism of J...
06/06/2026

5.0 star review received on Experience.com for Jeffrey Cruz by Heather M - I was impressed with the professionalism of Jeffrey and his team. You deal with alot of people when buying a house. Jeffrey surpassed them all in professionalism. I would definitely recommend him to anyone I know who is looking to purchase a

Click to see all 613 reviews of Guild Mortgage - Jeffrey Cruz, Branch Manager | NMLS # 225971

Tell us how you earn, and we will partner with you to create a path to homeownership 🤝
06/03/2026

Tell us how you earn, and we will partner with you to create a path to homeownership 🤝

Becoming “Anti-Fragile” — A Shift To Help Us Change How  We See Challenges.I came across this simple chart recently, and...
06/01/2026

Becoming “Anti-Fragile” — A Shift To Help Us Change How We See Challenges.

I came across this simple chart recently, and it really made me pause and reflect on how I respond to problems.

It breaks down our emotional reactions into 7 levels when things go wrong:

* Level 1: Self-criticism
* Level 2: Frustration
* Level 3: Discouragement
* Level 4: Indifference
* **Level 5: Curiosity**
* **Level 6: Confidence**
* **Level 7: Excitement**

Too often it's easy to spend way too much time in Levels 1–3… beating ourselves up, getting frustrated, or feeling discouraged.

But the real growth? It starts at Level 5.

# # # 🔍 Level 5 — Curiosity

Instead of asking, “Why is this happening to me?”
Try asking, “What can this teach me?”

Example:
If something you hoped for falls through or something at work or home doesn’t go as planned. Instead of spiraling, you get curious:

* What did I miss?
* What can I do differently next time?

That shift alone takes you from reacting… to learning.

# # # 💪 Level 6 — Confidence

Now you start trusting yourself more.

You’ve seen challenges before. You’ve survived them. You’ve grown from them.

Example:
You walk into a tough conversation or a new opportunity thinking,
“I’ve handled things like this before. I’ll figure it out.”

That’s not ego—it’s earned belief.

# # # ⚡ Level 7 — Excitement

This is where it gets powerful.

At this level, challenges aren’t threats anymore… they’re opportunities.

Example:
A big problem shows up and instead of dread, your mindset becomes:
“This is my chance to level up.”

That’s what it means to become *anti-fragile* — not just surviving pressure, but actually growing stronger because of it.

**The impact of living in Levels 5–7?**

* You stop wasting energy on self-doubt
* You learn faster than everyone around you
* You build real confidence, not fake motivation
* You start seeing opportunities where others see obstacles

And over time… you become someone who doesn’t just handle adversity — you *rise because of it*.

I believe just being aware of these levels has helped me catch myself and choose a better response.

If you take anything from this, let it be this:

👉 The problem isn’t the problem.
👉 It’s how we **respond** to it that shapes who we become.

Or as Tony Robbins has put it. "Life is happening for me, NOT too me.

Let’s keep growing. 💯

5.0 star review received on Experience.com for Jeffrey Cruz by Jana C - Jeff and good whole team truly took an interest ...
05/28/2026

5.0 star review received on Experience.com for Jeffrey Cruz by Jana C - Jeff and good whole team truly took an interest in us as clients. They were reliable, attentive, and made sure we knew what was happening every step of the way. They are knowledgeable and professional, and we felt very comfortable trusting their expertise.

Click to see all 611 reviews of Guild Mortgage - Jeffrey Cruz, Branch Manager | NMLS # 225971

5.0 star review received on Experience.com for Jeffrey Cruz by Levi R - Jeff & Chantelle were great to work with!  Alway...
05/26/2026

5.0 star review received on Experience.com for Jeffrey Cruz by Levi R - Jeff & Chantelle were great to work with! Always prompt, responsive and proactive. I would highly recommend them to anyone looking for an easy button when it comes to mortgage loans.

Click to see all 609 reviews of Guild Mortgage - Jeffrey Cruz, Branch Manager | NMLS # 225971

A quiet truth about divorce settlements:The largest asset on the marital balance sheet is almost always the home. And th...
05/26/2026

A quiet truth about divorce settlements:

The largest asset on the marital balance sheet is almost always the home. And the largest unmanaged risk in the settlement is almost always — the home.

Not because anyone is being careless. Because the home sits at an intersection most divorce teams aren't built to cover on their own: family law, tax planning, mortgage qualification, title, credit, and timing. Miss one, and language gets written that won't fund.

This is the lane I work in.

As a Certified Divorce Lending Professional (CDLP®), here's what I bring to your team:

• Buy-out and refinance scenarios modeled before settlement language is locked
• Mortgage qualification stress-tested against the actual decree
• Title, credit, and fraud exposure flagged early — not discovered later
• A coordinated handoff with the financial and tax professionals
• A housing plan the client can actually live in post-decree

The Divorce Lending Association calls this a "settlement-ready" approach. I call it the difference between a decree that closes and a decree that holds.

If you're building a divorce team and the home is on the list — there's a seat for me. Reach out directly and let's set up a conversation. I'll show you exactly how I integrate into your existing workflow.

Q: ‘Interest rates have been up and down lately. Should I wait for rates to drop before getting a reverse mortgage?’ 🤔A:...
05/26/2026

Q: ‘Interest rates have been up and down lately. Should I wait for rates to drop before getting a reverse mortgage?’ 🤔

A: If you’re considering a reverse mortgage, remember that it’s designed to improve your life now. Waiting for uncertain rate drops means delaying benefits you could use today – like eliminating your monthly mortgage payment* or boosting your cash flow. Plus, there’s no penalty for early repayment or refinancing. If rates drop later, you may be able to refinance. Let’s talk about what’s right for you.
*Borrowers must maintain the property and most current payments of property taxes, homeowner's insurance and HOA dues.
For more information, visit www.flexpaymentmortgage.com

In my work with divorcing clients, I've seen too many settlements fall apart months after the decree — a refinance denie...
05/19/2026

In my work with divorcing clients, I've seen too many settlements fall apart months after the decree — a refinance denied, a buyout that turned out to be unfundable, a spouse who qualified for the home but couldn't actually carry it.

The common thread? The property and lending analysis happened after the agreement was signed, when there was no room left to fix it.

This article walks through how the Divorce Mortgage Planning & Real Property Report brings that analysis forward — so attorneys, mediators, and financial neutrals are working from one document that reflects what the lender will actually support.

Worth a read if you handle divorce cases involving a home: https://bit.ly/49cE665

Address

14100 San Pedro Avenue Suite 760
San Antonio, TX
78232

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+12104227613

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