Nicky Cruz – Mortgage Adviser On a Mission to Prove Human Connection Still Matters

This spotlight series features some of the loan experts at Element Mortgage, our preferred lender. 

In a world of online experts and push-button mortgages, Nicky Cruz believes that human connection still matters. What she does not believe in are one-size-fits-all solutions when it comes to making one of the biggest financial commitments of your life. 

Nicky and her team are ready to listen so they can provide you with individualized mortgage solutions based on your unique circumstances and goals. As a mortgage adviser, Nicky’s philosophy is simple: She never recommends a mortgage solution to her clients that she would not feel comfortable offering to her mother or best friend. 

In order to offer her clients smart loan options, Nicky is constantly expanding her knowledge, and staying current on the latest mortgage and real estate trends. And her utmost goal is to earn your trust, so that you feel confident throughout the entire loan process.

Nicky joined American Pacific Mortgage (APM) and Element Mortgage (the local APM division) because it is so much more than a Top 10 Retail Mortgage Bank. It’s also a company that has a long track record of giving back. In fact, the company’s non-profit, APM Cares, was able to raise nearly $2,000 to assist Nicky’s family when they lost their home in California’s Camp Fire in 2018. She is proud to be affiliated with a company that is committed to caring for their employees, their clients, and the communities where they live. 

Family is at the heart of everything Nicky does. She handles each loan with care, knowing how much a house can mean for a family… And that on the other end of the process is a place to call home, host family gatherings, birthdays, celebrations, and make countless memories. 


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