Alberto Cruz • NMLS 484297 • Lovera Home Loans • Nexa Mortgage  |  Equal Housing Opportunity

Work With
Alberto

I'm not here to hand you off to a call center. You get me — your loan officer, your strategist, accessible throughout the entire process.

15+
Years of Experience
4,000+
Families Guided
4.98★
Average Rating
98%
On-Time Close Rate
Alberto Cruz

My Process

01

15-min Strategy Call

We talk about your goals, timeline, and situation. No forms, no commitment. Just a conversation.

02

Custom Scenario

I build your personalized numbers — payment, cash to close, program options, rate strategy.

03

Document Collection

Simple, digital. I tell you exactly what I need and why. No surprises.

04

Pre-Approval

Fast underwriting. You get a letter that actually holds weight with sellers.

05

Home Search + Offer

I stay in your corner as your agent finds your home. We move fast when you're ready.

06

Close & Celebrate

On-time, on-budget, with full transparency at every step.

Who I Work Best With

First-time buyers who want education, not pressure

Move-up buyers navigating complex scenarios

Self-employed borrowers with strong businesses

Investors building portfolios (DSCR, conventional)

Buyers with imperfect credit who need a plan

Relocating families needing a trusted local expert

Let's Talk

Fastest way to reach me — message me directly on WhatsApp.

Message Me on WhatsApp
or leave your info below

I'll reach out to you directly — email + WhatsApp.

Build your scenario first

Come to the call with your numbers already in hand

Lovera Home Loans Icon
Alberto Cruz
Mortgage Strategist

Helping families and investors build wealth through smart mortgage strategy. Not a rate machine — a trusted advisor.

EHO
Equal Housing Opportunity

Alberto Cruz | NMLS ID 484297 | Lovera Home Loans | Nexa Mortgage LLC | NMLS ID 1660690

All loan estimates and calculator results are for informational purposes only and are not a commitment to lend. Rates, terms, and availability are subject to change without notice and may vary based on creditworthiness and other factors. Not all applicants will qualify.

© 2026 Alberto Cruz. All rights reserved.