AmeriFirst Financial of Texas N Loop, San Antonio

Jeff came highly recommended and he surpassed expectations. He and his team were instrumental in the home buying process. They take the stress and pressure for you and walk you through each step of the way. Their communication, their commitment, and overall service is great! I promise you, you can not go wrong by working with Jeff and his team.

This recommendation is well overdue, the purchase of my home was in 2017, and I was stationed out of State. Jeff Cruz and his team are the epitome of a great leader and a great team for AmeriFirst Financial of Texas! This was my first time to use a VA Loan, Jeff took his time to walk me through the process, kept me informed in a timely manner of any pertinent details, extremely responsive and very helpful in explaining anything I didn't understand. Jeff is very easy to work with and one of the most calming individuals that I know. His team went above and beyond to ensure all due outs were closed in a timely matter. This is my third home purchase and by far the best experience! I am blessed to get stationed back in SA this past 2020. Prior to moving back home I decided to refinance my home with AmeriFirst. Jeff Cruz did not falter the first nor second time, both experiences moved seamless! Jeff was involved the entire time and helped with anything I needed. Appreciative and thankful is an understatement!! Jeff is reliable, understanding, trustworthy and kindhearted! As a military service member, Jeff Cruz and his team at AmeriFirst of Texas have my word of confidence to recommend to military and non-military families to trust Jeff Cruz and his team! Thank you very much!

Best reliable ,transparent, competitive rate and honest ! Always Always answers your call. Joe Trevino is 1 of the Best loan Officer in San Antonio,TX.

I have used Jeff Cruz and his team as my preferred lender for the past 5 years. He has always delivered the upmost professional service and has had open lines of communication. My clients have always been very pleased/impressed with his service. His services are appreciated so much, that I even use him on my personal loans. Personally, His application process was simple and his system provided excellent guidance. He and his team always took their time to be sure we were in complete understanding and agreed with all terms before proceeding. I highly recommend Amerifirst Financial.

Wow! This is overdue, I purchased my home back in 2019. Jeff and his team have being so incredible with me. As I refinance my home now I realize how incredibly blessed I am to have a loan officer that truly cares. Throughout the year “prior to pandemic” they would host baseball games and other events to keep his clients engaged. I’m about to save so much money and all because Jeff and his team truly care about relationships and their clients success outcome. Thank you guys! :)

Jeff Cruz, Michelle Moreno and their team did a great job with helping me on the purchase of my home. They were professional, responsive, kept me informed throughout the process, and abided by their commitment to make a positive impact in their clients’ lives such as providing great customer service and see them succeed in purchasing their home. I would strongly recommend them to anyone who would need their financial services. Thanks Jeff, Michelle and the rest of your team! I wish you more success in your business!

Jeff's team helped me with my first home, he was very patient with me and explained all the terms and cost in detail. Since I was a first time buyer that was really important to me and I appreciate him walking me through the process. I actually didn't know most of the questions I should be asking but he was clear and what he communicated to me and also had visual presentations to help me understand the cost and how it affected me in my payment. As a first-time home buyer Jeff was easy to work with and I would refer him to my friends and family.

I have worked with Jeff Cruz for over 8 years. During my 13 years of real estate I have worked with several lenders. Jeff far exceeds any that I have worked with. Not only is he kind, compassionate and understanding, his communication, professionalism and constant and effective updates to all participants in the transaction has made real estate a lot easier. I can call or text jeff at any time and he always has an answer. He puts his clients and REALTORs first and makes everyone feel like they are his only client. You have a choice on who you will call to get a mortgage. You need to call Jeff Cruz first. There is no comparison to any other lender out there. He blows them all out of the water!

If you want to have an extremely stressful and frustrating closing experience then go with Jeff Cruz. We were charged an additional $250 for a rush appraisal fee that we did not know or approve of. We did not dispute it because our closing had been set back an additional two weeks and we could not have it delayed further. In addition, Jeff will tell you one thing on the phone and completely different thing on emails and then will contradict what he says previously, even in writing. I would not recommend Amerifirst or Jeff Cruz to my worst enemy. They even got the closing disclosure amount wrong, more than once. Also we closed and then were told the lender forgot a crucial document and our house was not even ours when we were told it was!

Would not recommend for any home buyers, especially not first time home buyers. Jeff was what I consider to be rude and uninformative. He didn't want to see me taken care of and happy, he just wanted a commitment without me even knowing exactly what he was able to offer me. So, take your own chance on this one, but my advice is go somewhere where they want to take care of their clients, not where you're treated like just another opportunity for them to make money.