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Based on 115 star reviews
Based on 116 reviews
Ratings include all 116 reviews. Reviews collected directly from clients are shown only with their permission.
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!!
(Translated by Google) Excellent service, thank you so much for your help! 100% recommended (Original) Excelente servicio muchas gracias por la ayuda 100% recomendado
(Translated by Google) Hello brother (Original) Hola hermano
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.
(Translated by Google) Very kind (Original) Muy amables
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.
Yes
Julio Cruz made the home-buying process very smooth!
Exelente servicio rápido y eficas
They did a great job thank you
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.
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.
He always answer my questions and help me on everything from day one to the last day of the closing date was very helpful thanks
Julio is very knowledgeable and has great supporting systems
Constant communication. Answered all my questions.
The team was overall amazing. I can't thank them enough! I will definitely come back for another product!
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!
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. �
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 !
Good people
We thank Julio and his team Naybi Montilla for helping us achieve our dream of a new house in such a short time, they are efficient, fast and very honest. Thank you
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 helped us refinance our house with an incredible low rate. While other mortgage brokers said they couldnt do lower our at the time 3.5% rate Julio did. He gained our trust and confidence with his excellent customer service and willingness to exceed expectations. Julio and his team are one of a kind. Made the process as simple as possible.
It was a pleasure Julio. You did a great job. Im happy with my house thanks for everything.
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.
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.
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 me ayudo en todo lo que necesitaba ,siempre me aclaro mis dudas . Estamos muy agredecidos con el por toda su ayuda y que nos haya acompado en todo este proceso .
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.
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.
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!
Julio is extremely knowledgeable and helpful. He goes above and beyond for his clients.
Julio was on top of things and got things done quick
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.
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.
As a first time homebuy it was nerve-wracking. You guys made it a smooth process. Huge thanks for making this a smooth process.
Although it was a long process you guys looked out for the rates and took real good care of me until closing day. Really appreciate that.
I cant explain the experience that Im hat. Even though it was not my first time to buy or refinance. I was never treated so well has Julio Cruz treated me and my family throughout the whole process
all the process
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 💪ðŸ½
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.
Julio is reliable and very professional
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.
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.
My mom and I had a fantastic experience with Julio he’s extremely capable and supportive, the team helped us through the whole process with ease and a personal touch. We can’t thank them enough!
Julio was very informative and helpful from the beginning & made our loan process very easy . He's super knowledgeable and kind, I would highly recommend him if you're in the market for a home and need help with your loan approval.
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 Cruz, excellent, opened all the possible and convenient doors to help us achieve our dream of being able to buy our house. None of us who had spoken, showed us so much optimism and that gave us confidence. Julio Cruz knows his job, he is THE BEST.
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.
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 !