Oscar Cruz

Not just loan officer

The mortgage business is rapidly changing. The days of anyone getting a loan are now gone. You should want someone on your side who truly understands today's ever changing market. Now more then ever a home buyer needs professional and EXPERIENCED advice.

Advice is not just a catch phrase, it can be critical to long term success in any market. Buying a home is not just finding some place to live, and if done incorrectly can put some buyers into bankruptcy and foreclosure.

I'm not just a loan officer, I help homeowners design plans to overcome debt and credit issues. In other words, I help my clients convert their liabilities to assets, through sounds credit and debt management. I look at the mortgage transaction as one piece of a many layered cake. It is often the foundation of future wealth for a family, but as demonstrated recently in news articles, it can also be the seeds of financial ruin. It's time that American's get their houses in order, and I'm dedicated to helping you achieve this goal.

About me: Currently I reside in Los Angeles area. Active in the mortgage lending industry since 1997. You will receive true advice from an experienced Mortgage Planner.

Contributions to Lender411

Blogs Bad Credit: Credit Problems? Oct 29th 2009 more... Contacted consumers with following loan scenarios California, Home Refinance, Excellent Credit, Amount: $140,000, LTV 29% Oct 7th 2011 California, Home Purchase, Excellent Credit, Amount: $590,000, LTV 84% Jun 26th 2011 California, Home Equity, Excellent Credit, Amount: $90,000, LTV 76% Apr 12th 2011 California, Home Refinance, Good Credit, Amount: $147,499, LTV 66% Dec 14th 2010 California, Home Equity, Good Credit, Amount: $30,000, LTV 99% Oct 21st 2009