Julio A. Cruz

Sep 18, 2026

“Thanks to his professionalism, honesty, and dedication, we were able to fulfill our dream of becoming homeowners.”

We sincerely want to thank Julio and his entire team for the excellent support they provided throughout the process of purchasing our property. Julio guided us step by step, answered all of our questions, and stayed attentive to our needs until the very end. 🏡 Thanks to his professionalism, honesty, and dedication, we were able to fulfill our dream of becoming homeowners. We felt confident and truly grateful to have placed such an important process in such capable hands. We highly recommend Julio and his team for their transparency and commitment from beginning to end.

Sep 5, 2026

“Responsive, transparent, and clutch under pressure. He makes me look good to my clients and gets us to the closing table on time, every time.”

As an associate real estate broker, I’ve worked with Julio Cruz NMLS #162583 for 9 years and dozens of transactions. Responsive, transparent, and clutch under pressure. He makes me look good to my clients and gets us to the closing table on time, every time. In an industry where timing and communication make or break deals, Julio consistently delivers.

“I just closed on my home yesterday, and I can confidently say working with Julio made all the difference.”

I just closed on my home yesterday, and I can confidently say working with Julio made all the difference. As VP of Mortgages at Rate, he brings a level of professionalism and expertise that shows in every step of the process. From day one through closing, Julio and his team kept constant communication, which gave me a ton of confidence and peace of mind. He was always available, always proactive, and always one step ahead, making sure there were no surprises. What could have been a stressful process felt smooth and effortless because of how dialed-in his team is. Everything was handled quickly, efficiently, and with real attention to detail. This wasn’t just a transaction, it felt like the start of a long-term partnership built to thrive. If you’re looking for someone who truly knows what they’re doing and has your back the entire way, Julio is your guy.

“Julio Cruz took the time to explain every detail and answer all my questions, no matter how small.”

I cannot express enough how grateful I am to Nationwide for the incredible support they provided in helping me and my kids secure our new home. From the moment I reached out, they went above and beyond to ensure we found the perfect place. Navigating the home-buying process can be overwhelming, especially as a single parent. Julio Cruz took the time to explain every detail and answer all my questions, no matter how small. They understood my family's needs and worked tirelessly to find a solution that fit our budget and requirements. What truly stood out was their genuine compassion. Julio Cruz was not just focused on closing the deal; they cared about making sure my children and I were happy and comfortable. They even took the time to connect me with resources for moving and settling in, which made a world of difference. Thanks to Nmbnow.com , we are now in a beautiful home that feels safe and welcoming. My kids love their new space, and I can finally breathe easy knowing we have a place to call our own. I wholeheartedly recommend Julio to anyone looking for a lender who truly cares. Thank you from the bottom of my heart for making our dream a reality!

“His knowledge and expertise of the entire process was exceptional. He literally walked me through everything from start to finish”

I would highly recommend Julio for anyone purchasing a home. His knowledge and expertise of the entire process was exceptional. He literally walked me through everything from start to finish all while educating me and ensuring I was making choices and doing what was best for my situation. He helped me to get the lowest interest rate possible, provided tips on things that were affecting my credit score to help make sure I was stopping myself for qualifying for the best rates. I could write a book on everything he did to help me throughout the process. At no point did I feel pressured. Instead it felt like all my needs were first priority and everything else was secondary after that. Dont miss out on a great experience with a great mortgage lender. I know that any time im ready to go through the process again I have no reason to look anywhere else. Ill be calling Julio again without a doubt

“What made my experience great with Julio is his professionalism, experience and knowledge he has.”

What made my experience great with Julio is his professionalism, experience and knowledge he has. As a1st time home buyer, having someone like Julio on my corner was a blessing/ this market is tough and after a lot No's and wanting to give up plenty of times, Julio was always there encouraging me and keeping me Hopeful. So when my offer got accepted to my beautiful home, it was like the Victory was his also! Cant beat that kind of experience. Will definitely recommend Julio to anyone looking and will also use Julio and his team again in the future. Im forever grateful for all is time and energy in making this dream come true .

“Julio- was heaven sent to our family. Truthfully, I dont think I would've ever understood the home purchasing process until he sat on the phone one night and explained every detail.”

Julio- was heaven sent to our family. Truthfully, I dont think I would've ever understood the home purchasing process until he sat on the phone one night and explained every detail. Fun fact about Julio: He doesnt know when to stop working. My schedule was extremely busy and he always gave up his leisure time to speak to me. This is when I knew, he was all about his customers!! Thanks to him, my brother and I were able to get our family into a new home. While the process of home purchasing is tedious, with so many paperwork request, so much signing and so much stress. Julio didnt give up on us and thats what mattered the most to us. He was able to lock in a reasonable interest rate which was unheard of especially during these times that the market is insane. He even was able to get us to close even with some delays with the same interest rate he locked in which from my understanding is unheard of but JULIO did that!! Were so appreciative of him and look forward to working with him again in the future for my next home purchase! If you want honesty and transparency that is Julio Cruz.

“Julio- was heaven sent to our family. Truthfully, I dont think I wouldve ever understood the home purchasing process until he sat on the phone one night and explained every detail.”

Julio- was heaven sent to our family. Truthfully, I dont think I wouldve ever understood the home purchasing process until he sat on the phone one night and explained every detail. Fun fact about Julio: He doesnt know when to stop working. My schedule was extremely busy and he always gave up his leisure time to speak to me. This is when I knew, he was all about his customers!!Thanks to him, my brother and I were able to get our family into a new home. While the process of home purchasing is tedious, with so many paperwork request, so much signing and so much stress. Julio didnt give up on us and thats what mattered the most to us. He was able to lock in a reasonable interest rate which was unheard of especially during these times that the market is insane. He even was able to get us to close even with some delays with the same interest rate he locked in which from my understanding is unheard of but JULIO did that!!We're so appreciative of him. I look forward to working with him again in the future for my next home purchase! If you want honesty and transparency that is Julio Cruz.

“He made sure we closed in under a month, to be exact we closed in record 21 days! He is highly knowledgeable and experienced.”

Julio Cruz was a pleasure to work with, best experience I have ever had with a purchase of a home. He made sure we closed in under a month, to be exact we closed in record 21 days! He is highly knowledgeable and experienced. I wouldnt go to anyone else. Thanks again Julio for making my dream come true. We are very grateful.

“Julio is very knowledgeable and has fantastic communication skills, he explained every step very clearly.”

Julio helped us purchase our first home. My husband and I, after a few years of trying and trying with different banks, Julio was the only one who made our dream come true... was wonderful and very professional. He answered any and all questions we had, which were a lot. he was very patient with us and his positive attitude helped us stay positive throughout the whole process. Julio is very knowledgeable and has fantastic communication skills, he explained every step very clearly. He really did a great job of listening and understanding everything we were looking for, what we needed and respected out budget. We could not be happier with our new home thanks to Julio!y we feel extremely grateful for everything you did for us. God bless you!

“My experience with Julio Cruz was wonderful, he is EXCELLENT AT WHAT HE DOES, very humane, supremely diligent.”

We are forever GRATEFUL to Julio Cruz and all of the people he connected us too¦ My experience with Julio Cruz was wonderful, he is EXCELLENT AT WHAT HE DOES, very humane, supremely diligent. For us it was a very fast process, Julio does not waste time, he is very clear in everything, he explains u very well, especially we were first time buyers, and we had no idea about these processes. If youre thinking about working with Julio dont hesitate and contact him immediately. You need someone like him in your corner especially in this crazy market were in. He will get the job done , he will tell you the real true. After trying different banks, dealing with many people... Julio was the most honest person and the only one who could make my and my family's dreams come true... Thank you Julio, thank you very much. Eliana Izquierdo

Oct 15, 2026

“he made the process effortless. He was able to help get me pre-approved, provide guidance on things I can do to help my credit”

I work with Julio when I purchased my first home and he made the process effortless. He was able to help get me pre-approved, provide guidance on things I can do to help my credit prior to finalizing on the mortgage, give me clear direction on things to avoid as we working through the process as well. Overall I would say whether this is your first purchase or not then Julio is definitely a great place to start. Highly recommended for his great service!!

“Julio is such an amazing person, he understood exactly what my family and I where looking for when we thought it wasn't possible to purchase a home Julio made it happen”

Julio is such an amazing person, he understood exactly what my family and I where looking for when we thought it wasn't possible to purchase a home Julio made it happen he is such a positive person with such a big heart, there is nothing impossible for him. If you want to get a mortgage Julio is the person to go to I would not recommend anyone else but him. Also any question my husband and I had he would either text or call us asap. We are so blessed Julio came into our life. Our family is happy and we owe it all to him. �

“From start to finish, Julio demonstrated exceptional communication skills, he was always present, responsive, and clear in every interaction.”

I had the pleasure of working with Julio Cruz recently, and I can confidently say it was an outstanding experience. From start to finish, Julio demonstrated exceptional communication skills, he was always present, responsive, and clear in every interaction. He ensured that all details were properly explained, making the entire process smooth and stress free. His professionalism and dedication truly stood out, and I would highly recommend Julio to anyone looking for a dependable and proactive lending partner.

“My fiance and I cant recommend Julio enough. He was an exceptional person to work with. His knowledge and professionalism is very impressive.”

My fiance and I cant recommend Julio enough. He was an exceptional person to work with. His knowledge and professionalism is very impressive. He took the time and went above and beyond not only to make sure we understood the process and were informed every step of the way, but also helped us figure out some bumps(out of his control) along the road. If youre looking to buy a home, he is definitely someone you want on your side to help you along the way.

“He is very knowledgeable and was there with me every step of the way. Any and all questions are answered and I felt very comfortable”

Just finished closing on my home in Long Island, NY with Julio! He is very knowledgeable and was there with me every step of the way. Any and all questions are answered and I felt very comfortable in trusting Julio and his team with leading the way. I definitely recommend this man to all perspective buyers. Will do business again in the future 💪🏽

“This was my first time buying a house, and Julio made my experience very easy going. He was very attentive and was always available”

This was my first time buying a house, and Julio made my experience very easy going. He was very attentive and was always available to answer any questions I had throughout the entire process. He was very friendly and explained everything very carefully. Thank You again for your professionalism and dedication.

“He took the time to walk me through the process and met strict contingencies deadlines to accommodate the offer on my home.”

Julio was available to answer my many questions, provide information needed, and give clarification at all times. He took the time to walk me through the process and met strict contingencies deadlines to accommodate the offer on my home. Professional and personable I would recommend Julio to any and all looking for a home.

“Great experience both times and everything went smoothly and promptly. We closed on our home in less than a month , he's awesome !”

We worked with Julio on a cash out refinance and also purchasing a second home. Great experience both times and everything went smoothly and promptly. We closed on our home in less than a month , he's awesome !

“Julio was extremely sensitive to the timelines of this particular transaction. We closed in less than 21 days.”

Julio was extremely sensitive to the timelines of this particular transaction. We closed in less than 21 days. The closing we had impacted the sellers closing on a home that had been extended over 45 days. This resulting in the seller not having to lose the home, extra earnest money and other late fees. Julio, is a winner and will always have my vote and business going forward.

“He was efficient, professional and very useful throughout the process. Julio made sure that we got the best interest rate.”

We refinanced our house last summer. We enjoyed working with Julio! He was efficient, professional and very useful throughout the process. Julio made sure that we got the best interest rate. We were very satisfied with our service and we recommend Julio to anyone who is looking to purchase or refinance their home.

“My wife and I have worked with Julio and his team for several deals. EVERY deal was closed on within the time frame given, with the best rates”

My wife and I have worked with Julio and his team for several deals. EVERY deal was closed on within the time frame given, with the best rates at the current time and most importantly, handled with care and professionalism. We've given Julio and his team some tough deadlines and Team Cruz works tirelessly to ensure these deals were completed. Consistency and reliability has drawn me to trust Julio and his team to ensure my family has the best possible chance to purchase any property. Thank you to Julio and his team!

“Mr. Cruz was always very attentive, guiding us and explaining each step of our loan until the last day. We are very grateful to him for all his attention.”

Mr. Cruz was always very attentive, guiding us and explaining each step of our loan until the last day. We are very grateful to him for all his attention.

“I couldnt be more thankful for Julio's help! His professionalism and efficiency is 5 star. Ill always refer him!”

I couldnt be more thankful for Julio's help! His professionalism and efficiency is 5 star. Ill always refer him!

“We were first-time homebuyers and Julio stuck by our side the whole time! He was always there to answer questions and walked us through the entire process”

We were first-time homebuyers and Julio stuck by our side the whole time! He was always there to answer questions and walked us through the entire process with patience and grace. We never expected to have such wonderful lender and we are so,so grateful to Julio for all his hard work and dedication in getting our loan completed. I have already and will continue to recommend him to everyone I know!

“Julio, is extremely friendly and professional, he walked me through the entire process … i cant recommend Julio enough he was awesome!”

Julio, is extremely friendly and professional, he walked me through the entire process, was always there to answer all my questions and concerns, in the purchase of my first home, i cant recommend Julio enough he was awesome!

“He was always on top of the ball and made sure we understood everything. I cannot thank you enough, Julio!”

Julio was always there to answer questions. If there was anything he needed to verify, he did so in a timely manner. He was always on top of the ball and made sure we understood everything. I cannot thank you enough, Julio! Youre five stars!

“This was my first home purchase and Julio made the home buying process enjoyable. He explained the entire process and helped me from start to finish.”

This was my first home purchase and Julio made the home buying process enjoyable. He explained the entire process and helped me from start to finish. Any time I needed answers Julio was a phone call away. Mr. Cruz went above and beyond the call of duty for me. I am very grateful for his support, knowledge, and guidance. I just want to say thank you Julio and Nationwide.

“Julio, an excellent professional, perfectly explains every detail of the loan. He made the whole process easy, always attentive.”

Julio, an excellent professional, perfectly explains every detail of the loan. He made the whole process easy, always attentive. Do you want a professional, detailed and dedicated? Contact Julio Cruz

“Julio was very informative confounding during entire process. He did a fenomenal job at making sure we understood everything step of the process.”

Julio was very informative confounding during entire process. He did a fenomenal job at making sure we understood everything step of the process. He was available at any time to answer any of our questions. He made this process so much easier. Thank you!!!

Oct 15, 2026

“Excellent service, thank you so much for your help! 100% recommended”

(Translated by Google) Excellent service, thank you so much for your help! 100% recommended (Original) Excelente servicio muchas gracias por la ayuda 100% recomendado

“I had already tried to obtain a loan with a different company and they weren't able to get me pre-approved. Julio was able to do it in less in 24 hours.”

I had already tried to obtain a loan with a different company and they weren't able to get me pre-approved. Julio was able to do it in less in 24 hours.

“We worked with Julio on a cash out refinance and also purchasing a second home. Great experience both times and everything went smoothly and promptly.”

We worked with Julio on a cash out refinance and also purchasing a second home. Great experience both times and everything went smoothly and promptly. We closed on our home in less than a month , hes awesome !

“His knowledge and expertise of the entire process was exceptional. He literally walked me through everything from start to finish all while educating me”

I would highly recommend Julio for anyone purchasing a home. His knowledge and expertise of the entire process was exceptional. He literally walked me through everything from start to finish all while educating me and ensuring I was making choices and doing what was best for my situation. He helped me to get the lowest interest rate possible, provided tips on things that were affecting my credit score to help make sure I was stopping myself for qualifying for the best rates. I could write a book on everything he did to help me throughout the process. At no point did I feel pressured. Instead it felt like all my needs were first priority and everything else was secondary after that. Don’t miss out on a great experience with a great mortgage lender. I know that any time im ready to go through the process again I have no reason to look anywhere else. I’ll be calling Julio again without a doubt

“Julio treated my family and I with the upmost professionalism and respect. We weren't just another client, he took the time to explain the whole process”

This review is long over due! I was referred to Julio A. Cruz through my co worker. I am a firm believer everything happens for a reason. Julio treated my family and I with the upmost professionalism and respect. We weren't just another client, he took the time to explain the whole process, and provided us with white glove service. The end result was us finally being able to close on our first home, mind you we've never purchased a home before. Thank you Julio and his team for such a pleasant experience.

“Thank you Julio for being so wonderful and patient through out this entire process! It has been a great pleasure working with you.”

Thank you Julio for being so wonderful and patient through out this entire process! It has been a great pleasure working with you. You made this process so easy with helping us getting a loan and asissting us with all of the papers required. You will always be my go to! Thank you for everything!

“Julio improved the interest rate and monthly payment, Julio and his team are very efficient and professionals; the process was smooth and successful.”

I am extremely grateful to Julio for helping me with my refinancing, I had been trying to do it for a long time ago, and only Julio could be help me. Julio improved the interest rate and monthly payment, Julio and his team are very efficient and professionals; the process was smooth and successful. I am recommend Julio and his team for all your home loan needs. I give to Julio 7 star.

“I truly do not know what we would have done without your incredible support. Thank you for all your advise, everything went perfectly from start to finish.”

I truly do not know what we would have done without your incredible support. Thank you for all your advise, everything went perfectly from start to finish. My family love our new home.

“I had a great experience working with Julio on refinancing my home. He was very thorough, professional, patient and friendly during the entire process.”

I had a great experience working with Julio on refinancing my home. He was very thorough, professional, patient and friendly during the entire process. Thanks to him I was able to refinance my home from a 30 yr to a 15 yr with a great rate. I would definitely recommend Julio to anyone interested in buying or refinancing a home.

“Julio Cruz was a great person to work with and was very knowledgeable. He was with us every step of the way”

Julio Cruz was a great person to work with and was very knowledgeable. He was with us every step of the way and I would recommend his services to anyone. Thank you Again Julio for a job well done.

“Thanks julio for everything you were the principal person for my house loan i recomend to you for another person to help to them thanks Julio again .”

Thanks julio for everything you were the principal person for my house loan i recomend to you for another person to help to them thanks Julio again .

“Excelente persona... agradecido con toda su dedicacin y ayuda para conseguir todo lo necesario para el proceso... volveria a hacerlo con el sin pensarlo.”

Excelente persona... agradecido con toda su dedicacin y ayuda para conseguir todo lo necesario para el proceso... volveria a hacerlo con el sin pensarlo.

“El senor Julio es un gran profesional, siempre dispuesto ayudar a la personas es honesto y siempre dispuesto a trabajar con sus clientes sin importar las circunstancias.”

El senor Julio es un gran profesional, siempre dispuesto ayudar a la personas es honesto y siempre dispuesto a trabajar con sus clientes sin importar las circunstancias.

“Julio was patient and always prepared to give information and advice. He quickly communicated any and everything we had to do and went above and beyond to close on our house.”

Julio was patient and always prepared to give information and advice. He quickly communicated any and everything we had to do and went above and beyond to close on our house. Excellent professional!

“The attention of Julio and his team was excellent, very detailed, very professional, and an excellent interest.”

The attention of Julio and his team was excellent, very detailed, very professional, and an excellent interest. Julio and his team are also very supportive and encourage people to get the job done.

“Julio and his team were awesome to work with. They made the home buying process simple, walked us through every step, and kept us informed.”

Julio and his team were awesome to work with. They made the home buying process simple, walked us through every step, and kept us informed. There was no obstacle the bank could throw at them that they didnt overcome. Every call or email was either answered promptly. They made my home purchase a breeze.

“For a first time home buyer our experience with Julio was GREAT! He was able to explain absolutely everything very detailed as well.”

For a first time home buyer our experience with Julio was GREAT! He was able to explain absolutely everything very detailed as well. He was able to provide with any other service we required, overall an amazing experience. Highly recommended! Also speaks Spanish for my Hispanic community. Very happy with Julio's Job!

“Julio was great!!! He made this process very easy for me as a first time home buyer. I cant thank you enough for being so supportive through it all.”

Julio was great!!! He made this process very easy for me as a first time home buyer. I cant thank you enough for being so supportive through it all.

“Julio did our refinance and my parents loan and worked wonders for both. Helped put us in a great position financially”

Julio did our refinance and my parents loan and worked wonders for both. Helped put us in a great position financially with our refinance and helped get my parents their dream home!

“Julio and his team were amazing. Always helped us for whatever we needed to make our dream home possible.”

Julio and his team were amazing. Always helped us for whatever we needed to make our dream home possible. We appreciate all they have done and would highly recommend them to anyone!