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.

Zo Cruz Reviews

★ ★ ★ ★ ★

4.96 /5.0

Based on 120 reviews

★★★★★

Bonnie H. of WOFFORD HEIGHTS, CA for Zo Cruz

Transaction Completed: 12/2/2021

The support given all the way until it was funded. If I had questions they were answered right away I never had to wait for a reply. Zo and Diana was there for me. The experience was great.

★★★★★

Minette L. of Highlands Ranch, CO for Zo Cruz

Transaction Completed: 10/29/2021

Zo Cruz kept us informed throughout the refinancing process, was reachable and responsive, and followed thru on requests. Zo is the best loan officer we have ever worked with.

Refinance Calculator

Calculate your new monthly payment after refinancing.

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Mortgage Calculator

Before you buy a house, calculate how much your payments will be.

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How Much House Can I Afford?

Calculate the maximum home price you could afford.

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Amortization Calculator

See your payoff schedule with principal and interest payments.

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COMPETE WITH CASH BUYERS & WIN!

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.

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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.

Loan Products

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

Conventional Loan

Down payments as low as 3%. Fewer restrictions than other loans.

Cash Out Refinance

Turn your home's equity into cash.

FHA

This mortgage loan allows for 3.5% down payment.

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Location

New American Funding

Tustin

14511 Myford Road, Ste. 100
Tustin, 14511 Myford Road, Ste. 100 92780

14511 Myford Road, Ste. 100
Tustin, CA 92780

Direct: 949-267-2320

Email: Zo.Cruz@nafinc.com

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Zo Cruz Sr. Loan Officer