Christopher Cruz - Loan Officer NMLS 1232016

12/01/2021

Temps are getting lower! 🥶 So, I wanted to share this video on ways you can save money on your utility bills this.

Be sure to subscribe to Homespire's YouTube channel. So much helpful home and mortgage content going up all the time!

Do you dread opening utility bills in the winter? If you answered YES, you'll want to hit play right now. In this video, your Mortgage BFF shares 4 tips to s...

11/29/2021

Are you just now decorating for the holidays or was your house lit up right after Halloween? 😂

11/25/2021

Happy Thanksgiving! I hope you have a wonderful day filled with good food and quality time with those you love!

11/23/2021

In this market, many home buyers are still paying above fair market value for homes, which leads to a gap between the sales price and the appraised value, called an appraisal gap.

In this video, your explains what that means and how can it factor into your loan amount.

If you have any questions, please don't hesitate to reach out! I'm always happy to chat with you about your mortgage needs. 😊

In this market, many home buyers are still paying above fair market value for homes, which leads to a gap between the sales price and the appraised value, ca...

11/22/2021

I think most people do marshmallows, but I'm curious.. which do YOU prefer?

11/19/2021

In the second post of our VA Loan series, let's talk about the many benefits that the VA Loan program has to offer.

➡️ No downpayment required
➡️ 100% financing available
➡️ No Private Mortgage Insurance (PMI) required
➡️ Less strict eligibility requirements

📲 I love serving our Veteran and Activity Duty military community and their families. Reach out any time with questions you may have. I'm always happy to help!

11/17/2021

Happy Wednesday, all!

I wanted to share this handy Mortgage Process Dos and Don'ts cheat sheet. A lot of borrowers don't realize that some of these Don'ts could affect their loan. So, for those of you who are thinking about buying or are in the process now, I hope this guide will be useful to you!

I'm always happy to answer questions, please don't hesitate to reach out.

11/15/2021

Don't worry. We won't make you choose. 🥧 😂
If you've been thinking about refinancing to...

☑️ Lower your term
☑️ Lower your interest rate
☑️ Cash out your equity to pay off debt
..I can give you another reason you may not have thought about:

If we time your refi just right, you may be able to skip up to 𝘵𝘸𝘰 mortgage payments. WAY better than skipping dessert. 😋

Of course, everyone’s situation is different, so we’ll have to take a look at your numbers to see if it makes good financial sense for you to refi right now.

📲 Give me a call today. It doesn’t hurt to see your options!

11/12/2021

We love serving our Veteran and Active Duty Military community! I'll be posting a series of FAQs about VA loans over the next few weeks. This week, we're talking about who qualifies for a VA loan:

🇺🇸 Veterans

🇺🇸 Active duty service members - typically after 180 days active duty and 90 days if in a combat zone (i.e. Iraq)

🇺🇸 Surviving spouses - if the service member died while on active duty or was retired

I am here to answer any and all questions you have about VA loans and how to take advantage of your VA benefits. Please reach out any time!

11/11/2021

We honor the service and sacrifice of our country's veterans, and helping make home ownership possible for our veteran clients is one of the ways we can show our appreciation.

If you are a veteran or an active duty service member and are thinking about buying a home, you need to be taking advantage of the VA loan program. In this video, Autumn talks about what the VA loan program is, who qualifies, and the many benefits of taking advantage of your VA benefits.

Again, thank you for your service and giving us a safe place to call home.

If you have any questions at all, please don't hesitate to reach out.

If you are a veteran or an active duty service member and are thinking about buying a home, you need to be taking advantage of the VA loan program. In this v...

11/09/2021

- Are you planning an open house this weekend but don't have time to create an eye-catching flyer? My marketing platform allows me to create beautifully designed co-branded marketing materials in minutes.

📱Give me a call, and let’s talk about your next open house.

11/08/2021

Really excited to see our grow!
Read more here: http://ow.ly/SL0c50GIpX3