Vivian Cruz
VP of Mortgage Lending
As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. With services available in both English and Spanish, I'm able to provide superior and timely customer service while advising my clients throughout the entire loan process, depending on their specific wants and needs. Whether you are a first-time home buyer or seasoned owner, you can trust me and my team with all your home financing needs.
I'm a mother of 2 wonderful boys and enjoy working out and spending time with my family. I like to think of myself as Colombian-by-birth and American-by-choice, being an immigrant myself I understand the importance of setting goals, creating a plan, and follow a path that leads to achieving those goals.
Helpful tools and resources
No-fee personal loans
First-time homebuyer’s guide
Mortgage calculators
Buy with confidence
See my videos
Recent reviews
What people are saying
"Vivian has been a GREAT blessing to my family and I. Her experience and knowledge allowed us to get approved for a loan in a blink of an eye. She makes herself available at all times! She’s always welcomed to guide and break this complicated process in the most simplest steps in order for her client to understand what they’re getting themselves into with no surprises. I love that she takes her time and strategically revises your file to help you in a way you don’t end up penniless each month. She has the best interest for all her clients at heart. Thank you, Vivian for helping us make our dream come true! I highly recommend working with Vivian Cruz - SHE’S THE BEST!!!!!"
Katherine Olivio
"My family and I loved working with Vivian, she is very responsive and knowledgeable, if we could give her more stars we wouldn't hesitate.
Thank you Vivian for helping us getting our new place 🙏🏻"
Franklyn Olivero
"I really want to thank Vivian for all hard work to get my mortgage approved in a short period of time with an excellent interest rate and a change from FHA to Conventional. She answered all my questions with the best explanation and good mood, always involved in every step of the way. I will recommend you to all my friends and Family. She speaks a perfect Spanish and English as well. Thank you so much for all your work and help me with everything also with every "Silly" questions. You are the Best!!!"
Silvia Fernandez
"Vivian helped me and my husband through the process of purchasing our first home. She communicated well with all the paperwork that’s involved and was there for us each step of the way! Even when things got a little rough, she reassured us she would take care of it. It was a pleasure working with her and I highly recommend her!"
Juquanda Moore
"We were so satisfied with Viviana’s support she was very patient and always in a good mood when it came to helping us. She found us a very good deal that looked hard to get but she still got it. This was a hard negotiation and she spent a lot of time to get the best offer in my mortgage. I 100% recommend she also speaks perfect English and Spanish so to any Spanish speaking people she would be a great help!"
Marcela Rojas
"Worked with Vivian Cruz and couldn’t have asked for a better sidekick during my home buying process. She makes it really clear and very transparent on timelines and expectations. Her willingness to answer every “silly question” made us feel like we were in good hands. I have already recommended her to friends and family. Thank you so much Vivian for all your work and taking all my calls :)"
Jeffrey Daza
"It was a pleasure working with Vivian! She is very professional and knowledgeable. Always willing to help anytime of the day. There to answer each and every one of our questions and concerns. We tried multiple times to refinance our mortgage, but things did not work out. Luckily with Vivian the whole process was a breeze. We could have not done this without you. Thank you Vivi!"
Gloria Cepeda
"Thank you so much Vivian for helping me secure a loan and lock a good interest for our dream home. You made the process go smoothly and efficiently. Your work ethic is admirable. I will recommend you to all my friends and Family. Again, thank you sooo much! We will definitely come see you for all our mortgage needs. ❤️"
Melania Curiel
"Vivian displays professionalism, understanding and patience throughout the entire home buying process. Easily available, clear and concise with all explanations and procedures to be followed. It has been a pleasure working with Vivian. Thank you!"
Xiomara Ojeda
"Working with Vivian was the best experience I ever had she was very professional always answer my phone calls even after hours. I’m very glad to find somebody like her, thank you very much for all that you did for me it was a pleasure working with you :)
You are the best !!!"
Ana Baquero
"Vivian is great, she worked so hard to get me the best rate for my mortgage, she’s always available to answered my questions. I couldn’t be more happier with my house refinanced."
Gustavo Toxtli
"My wife and I had a fantastic experience with Vivian Cruz . Extremely capable and supportive, she helped us through the whole process with ease and a personal touch. We can’t thank her enough!"
Alex Potosi
"I am really glad for find someone so professional and that explains every detail with patience, my refinance was a great experience! Thank you so much!"
Migycocco Reyes
"Excellent customer service and very fast response times, Vivian was always very accurate in all the information provided to me and it was a clear process. Thank you very much for the help. :)"
Johnatan Hernandez
"She was consistent, persistent and very informative."
Esmerelda Rosario
"It was my 1st time asking for a loan and Vivian was a key member in this process. She helped me with all my questions and explained it in a way that was easy to understand. She was always available and with a good advise. 100% recommend working with her.
It was the 1st time that I had made a loan and Vivian was a key person in this process. He helped me with all the questions I had and explained in a way that is easy to understand. He was always available and with a good suggestion. I 100% recommend working with Vivian."
Veronica Jaime
"Viviana I am very grateful for the excellent work you did to get the best negotiation for my mortgage. She managed to lower my monthly payments by more than 400 dollars, better interest and a change from FHA to conventional, thanks for such an excellent job and for your patience in my case, totally recommended both for people who speak Spanish and for those who only They speak English, have very good negotiation skills and can clear up all the doubts generated by buying your new home or refinancing."
Carlos Henao
"According to my experience, I am extremely satisfied with Vivian's service, she is very understanding, she was attentive during the loan process and she answered all my concerns (thank you, Vivian)."
Leobardo Ramirez
Areas served
- Rutherford
- Nutley
- Bloomfield
- Clifton
- Lynhurst
- Montclair
- Possaic
Services offered
- Mortgage
- Home Loans
