Zo Cruz Photo

Zo Cruz Sr. Loan Officer

  • NMLS # 1870383
  • |
  • LMB # 100515103
  • 150 Reviews
MPA 5-Star Retail Lender

About Zo Cruz

With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing. When working with me and New American Funding you'll receive:

  • Professional advice and support in making your home financing decisions
  • A full spectrum of loan products from which to choose
  • Consistent communication and follow up throughout the loan process from me and New American Funding's in-house operations team
  • Industry leading close times

Please give me a call today for answers to any of your home financing questions.
I would be more than happy to offer my professional advice. 

#1 in Customer Satisfaction among
Mortgage Servicers!


For J.D. Power 2022 award information, visit jdpower.com/awards.

New American Funding JD Power Award for Mortgage Servicing

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.


It's a seller's market, and cash buyers have the advantage, but you can still compete and win. To stay competitive as a homebuyer you need to become a CASH BUYER! That’s where Buyer Accepted, exclusively offered by New American Funding, can help.

You're In Good Hands!

4.94/5 Based on 150 reviews


Transaction Completed:

"Zo was amazing!! He took the time to respond to my questions and concerns right away, and was very helpful throughout the whole process. Will definitely refer Zo too any friends or family in the future!!!"

Jacksonville, NC


Transaction Completed:

"Back in January I started shopping for lenders to buy a home. I got in touch with many lenders and Zo Cruz was one of them. That’s when he told me to come back in six months but I kept going. Nobody was able to help me with my home loan. Six months later I got hold of Zo Cruz again and rest is history so I wanna take this moment to thank each one of you for helping me and my family through this journey. I really appreciate it thanks ?? god bless"

Sacramento, CA


Transaction Completed:

"Zo is very smart"

Accokeek, MD


Transaction Completed:

"He is attentive to our needs covers all requirements and reminders on time and advance at times."

Pflugerville, TX


New American Funding


14511 Myford Road, Ste. 100
Tustin, CA 92780

Direct: 949-267-2320

Email: Zo.Cruz@nafinc.com

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