About Alex Cruz
Helping homebuyers in New Jersey buy homes with confidence, without the stress. Hi, I'm Alex Cruz, a mortgage loan officer based in Paramus, helping clients navigate the home financing process with clarity and confidence. I specialize in working with FTHB, 1099 self-employed and Bank statement only borrowers across Rahway, Woodbridge, Linden, and Clifton Wayne, offering tailored loan solutions and a smooth, transparent experience from start to finish. Whether you're: - Buying your first home - Exploring refinancing options - Looking into programs like Conventional, Non-QM, Jumbo I'll walk you through your options and help you choose the right strategy—not just the easiest one. What sets me apart: - Clear, honest communication—no surprises - Fast, reliable pre-approvals to help you win offers - A hands-on, local approach backed by top-tier technology - A focus on education so you feel confident every step of the way Do you need 20% down to buy a home? No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? It varies, but there are options available even if your credit isn't perfect. How much home can you afford? That depends on your income, debt, and goals—I'll help you break it down clearly. I've been in the industry for 26 and have helped over 500 clients secure financing for homes. I'm proud to be a trusted resource for both buyers and local real estate agents. Clients say I'm responsive, knowledgeable, detailed, and honest. Check out my client reviews, though, to see what it's like to work together. When I'm not helping clients, you'll find me as a CERT member (community emergency response team), golfer, and sports fan. I was born and raised in NJ and have a cat and two dogs. I have a tight knit family with 5 siblings in the Woodbridge area. I'm also bilingual in Spanish. I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.
