Buy a home
Explore purchase financing and understand the steps from preapproval to closing.
HOME LOANS · HIGH DESERT & SOUTHERN CALIFORNIA
Home financing,
made personal.
Your goals. Your loan options. Guidance for your next chapter.
LOAN SOLUTIONS
Your goals. The right loan.
Whether you’re buying, refinancing, or exploring your options, let’s find a path that fits your situation.
Refinance
Review your existing mortgage and compare options against your longer-term goals.
VA home loans
Learn about VA loan options for eligible veterans, service members, and surviving spouses.
Down Payment Assistance
Ask about down payment assistance programs and whether one may fit your situation.
Program availability and eligibility vary. All loans are subject to underwriting and approval.
ABOUT
Meet Leo Cruz
As a U.S. Marine Corps veteran and mortgage loan officer, I value integrity, communication, and putting people first. Let’s talk about your goals and explore the financing options that may fit your next chapter.
U.S. Marine Corps veteran Hablo español
Jesus “Leo” Cruz · NMLS #2775718
E Mortgage Capital · NMLS #1416824
Your
Goals
A conversation
built around you.
Personal
Guidance
Understand your
next steps.
Loan
Options
Explore programs
and eligibility.
RECENTLY FUNDED
Real homes. New chapters.
A selection of homes featured in the Recently Funded gallery on my E Mortgage Capital profile.
FUNDED
Apple Valley, CA
FUNDED
Adelanto, CA
FUNDED
Beaumont, CA
Featured on Leo’s EMC profile. Funding dates and loan terms are not displayed here. Past transactions do not guarantee future approval.
View my EMC profile & full gallery ↗Resources · How the loan process works
ONE STEP AT A TIME
A clearer path to your next chapter.
Share your plans
Start with your homeownership goals and the questions on your mind.
Explore the possibilities
Review potential loan options, documentation, and next steps with Leo.
Move forward informed
When you’re ready, complete a secure application for a review of your eligibility.
YOUR NEXT CHAPTER
Let’s bring it home.
A new address starts with a first step.
Get Pre-ApprovedContinue to EMC’s secure application portal. No application information is collected on this page. Preapproval is subject to review.