Jackie Cruz

NMLS # 260665

801-272-0600

cruzlending@yahoo.com

Jackie Cruz Mortgage Loan Advisor

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Use a HELOC to Pay Off Your Mortgage Sooner

Use a HELOC to Pay Off Your Mortgage Sooner

The journey to homeownership is often accompanied by dreams of financial freedom and a mortgage-free future. For those exploring ways to expedite their mortgage payoff, a Home Equity Line of Credit (HELOC) can be a powerful tool. Let's delve into the intr

Apr 11, 2024 | Refinancing a Home

The Essential Role of Mortgage Calculators when Buying a Home

The Essential Role of Mortgage Calculators when Buying a Home

Homeownership is the ultimate dream for many, representing not just financial security but also a healthier, happier life. However, this journey involves more than just picking the perfect house; it's about making mindful choices, understanding your finan

Apr 09, 2024 | Purchasing a Home

Buying Down the Interest Rate on your Mortgage

Buying Down the Interest Rate on your Mortgage

If you want a lower monthly mortgage payment, you might consider buying down your interest rate when you get a new mortgage loan. This clever trick helps you lower your mortgage interest rate. And when your interest rate goes down, your monthly payments a

Apr 04, 2024 |

What Closing Costs and Fees Do I Have to Pay with a VA Loan?

What Closing Costs and Fees Do I Have to Pay with a VA Loan?

As you embark on the journey of acquiring a VA loan, the U.S. Department of Veterans Affairs (VA) bestows upon you a unique and potent financial instrument. VA loans are celebrated for their generous terms, such as minimal or even non-existent down paymen

Apr 02, 2024 | VA Loans

Understanding Mortgage Prepayment Penalties

Understanding Mortgage Prepayment Penalties

In the thrilling adventure of homeownership, there's a chapter that often gets overlooked – the fine print of your mortgage agreement. Among the many terms and conditions, one that can sneak up on unsuspecting homeowners is the Mortgage Prepayment P

Mar 28, 2024 | Purchasing a Home

Should I Sell or Rent my Home when I move?

Should I Sell or Rent my Home when I move?

Embarking on the exciting adventure of relocating to a new city brings with it a cascade of decisions, and one of the most pivotal choices revolves around the fate of your current home. The question looms large: Should you rent it out or sell it? Each ave

Mar 26, 2024 |

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