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. 

Top Rated
Mortgage Lender

4.9/5 Based on 269,421 Reviews


You're In Good Hands!

4.92/5 Based on 174 reviews
5/5

Hanna

Transaction Completed:
10/11/2023

"I really happy to work with the team and they were able to help me with the paperwork and everything that they needed for the program. I’m glad that everything is working well"

Saint Michael, MN
5/5

Jaime

Transaction Completed:
10/10/2023

"Zo was very helpful and efficient in my home-buying process!"

Raleigh, NC
5/5

Kevin

Transaction Completed:
9/23/2023

"Very supportive throughout."

Studio City, CA
5/5

Justin

Transaction Completed:
7/22/2023

"The entire interaction was seem less from start to finish."

Hayden, ID

Loan Products

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

Cookie cutter neighborhood
Conventional Loan

Down payments as low as 3%. Fewer restrictions than other loans.
Couple receiving keys
FHA

This mortgage loan allows for 3.5% down payment.
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VA Loans

No down payment required. Special terms available to veterans and active duty military.
Explore More Options

Mortgage Calculators

Estimate your monthly payment, see how much house you can afford, and more!

Refinance Calculator

Calculate your new monthly payment after refinancing.

calculate

Mortgage Calculator

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

get payment

How Much House Can I Afford?

Calculate the maximum home price you could afford.

how much

Amortization Calculator

See your payoff schedule with principal and interest payments.

get payoff

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 $6,000 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!

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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.

EXPLORE NAF CONNECT: A GAME-CHANGER FOR REAL ESTATE PROFESSIONALS

Your Gateway to Enhanced Real Estate Success

Unlock the full potential of your real estate business with NAF Connect, our award-winning platform designed specifically for real estate agents like you. Experience the ease of connectivity, visibility, and control over your transactions, anytime and anywhere.

Why Choose NAF Connect?

  • Enhanced Collaboration: Streamline processes with your loan officer to save time and secure more deals

  • Stay Informed: Gain real-time updates and transparency into every loan status, directly through your device

  • Marketing Made Easy: Leverage co-branded marketing materials to boost your presence and impress clients

Ready to elevate your real estate game?

Sign up for Free today and transform the way you do business! Join NAF Connect - Where Connectivity Meets Opportunity

Location

New American Funding

NAF

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

Direct: 949-791-3726

Email: zo.cruz@nafinc.com

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