Carlos Cruz Photo

Carlos Cruz Branch Manager

  • NMLS # 977340
  • 7 Reviews

About Carlos Cruz

Carlos Cruz is your San Antonio Leader with extensive experience in home loan origination, finance, and credit. He and his wife Cindy have been married for more than 18 years and have 3 fur babies. Carlos Cruz, NMLS #977340  is a U.S. Army Res. Veteran and LIFETIME TEXAN who speaks Spanish and is ready to meet the needs of our community and prove why so many clients have put their trust in Him, His TEAM, and New American Funding over the years.

#1 in Customer Satisfaction
among Mortgage Servicers!


For J.D. Power 2022 award information, visit

Company Culture

NAF360 is our commitment to 360 degrees of trust and respect.

NAF360 is our strength of character. It starts with each of us and flows from one person to another. It’s the trust we build with our clients, an understanding we’re here to help. It’s our ongoing contributions to the local community, the assurance we extend a helping hand. NAF360 is felt in our offices, transmitted in every call, evident in every referral, and shines brightly in countless glowing reviews.

Pathway to HomeOwnership

Are you Ready?

At New American Funding, we believe that every person deserves a clear path to achieving their dream of homeownership. So, we created the Pathway to Homeownership initiative to alleviate some of your financial worries.

What is the Pathway to

Homeownership Initiative?

The Pathway to Homeownership offers qualified borrowers in select areas up to $8,000 in assistance. These funds are not a loan that needs to be repaid and are available to first-time homebuyers in designated areas.

This program can also potentially be combined with other down payment assistance programs to offer you even more support as you build the life of your dreams.

Contact me today for more information!

Family playing on the couch together

NAF Cash Can Turn You into a Cash Buyer

Buying in cash means convenience, certainty, and may mean cost savings too. In fact, buying in cash may help you save up to 11% over those using a traditional mortgage.* With NAF Cash, you can make a competitive, true cash offer that is not contingent on financing and close in little as seven days without having to sell your current home first.

*According to a study from researchers at the University of California - San Diego, cash buyers have paid about 11% less than using a mortgage. Reher, Michael and Valkanov, Rossen, The Mortgage-Cash Premium Puzzle (September 24, 2021). Available at SSRN: or

Loan Products

Every story of home buying is unique, we offer a variety of loans to meet our clients' needs.

You're In Good Hands!

4.86/5 Based on 7 reviews


Transaction Completed:

"Carlos and Foster EXECUTED an extremely tight closing - less than thirty days. I was impressed with the working relationship, communication, and professional approach presented throughout the process. The team made the transaction more personal than a business deal. I'd highly recommend them to my family and friends. The experience makes it easy to understand why American Funding maintains a excellent reputation."

San Marcos, TX


Transaction Completed:

"The efficiency and communication on how the process works, what was best for my situation and steps on what to do and when."

San Antonio, TX


Transaction Completed:

"All the helpful information yall gave and how easy it was to communicate with yall"

San Antonio, TX


Transaction Completed:

"Carlos was a home run. From the first phone call and throughout the lending process his communication was excellent! Carlos walked me through every step and was patient when I asked him the same questions multiple times. He understood my wife's and I's concerns, and explained the uncertainties thoroughly. My wife and kids now live in a home that they are very much were in love with!"

San Antonio, TX

New American Funding

ILA Plano

15851 Dallas Parkway, suite 1000
Addison, TX 75001

Direct: 210-887-8287


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