Jackie Cruz

NMLS # 260665

801-272-0600

cruzlending@yahoo.com

Jackie Cruz Mortgage Loan Advisor

BLOG




 


Conforming vs Non-Conforming Mortgage Loans

Conforming vs Non-Conforming Mortgage Loans

There’s a lot of unfamiliar, and often confusing, vocabulary in the mortgage process, and it’s important to know your terminology. If you’re looking to buy or refinance a home, it’s important to understand mortgage terms that may be used. What’s the diff

Oct 01, 2018 | Conventional Loans

Should I Roll My Student Loans into My Mortgage?

Should I Roll My Student Loans into My Mortgage?

Americans owe more today in student loans than ever before and student debt is continuing to rise. As these borrowers start their careers and become homeowners, they may have the opportunity to consolidate their student loan debts with their home loans. I

Sep 26, 2018 | Refinancing a Home

It's Time to Get Your Home Ready for Winter

It's Time to Get Your Home Ready for Winter

Fall is here! That means it’s time for some autumn home maintenance. As a homeowner, there is a lot you can do to reduce the chance of a costly wintertime home repair disaster, make your home safer and save a bit of money. Here are some of the most

Sep 22, 2018 | Homeowner Tips

Should I Make a Bi-Weekly Mortgage Payment?

Should I Make a Bi-Weekly Mortgage Payment?

Many homeowners are eager to pay off or pay down their mortgages in order to save themselves money in interest charges. Many lenders have even anticipated this situation by offering buyers a bi-weekly payment program.  What is a Bi-Weekly Mortgage Pa

Sep 19, 2018 | Refinancing a Home Purchasing a Home Mortgage Basics

What is a Piggyback Mortgage?

What is a Piggyback Mortgage?

In order to achieve the dream of homeownership, many buyers look for creative financing to aid them in their quest. One such option is a piggyback mortgage, which actually involves taking out two separate loans to make homeownership more affordable. These

Sep 12, 2018 | First-time Homebuyers Home Buying or Selling

Ins and Outs of a Home Equity Line of Credit

Ins and Outs of a Home Equity Line of Credit

Homeowners have a great source of funding available to them that others don’t: their house! If homeowners have a significant amount of equity in their home or especially if their mortgage is completely paid off, they can make great financial use of

Sep 05, 2018 | Mortgage Basics

Start Your Loan Application

Apply Now