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Good Hands Here.
Alberto leads the relationship. A real team supports every step. You are never navigating this alone.
Your Mortgage Strategist
Alberto Cruz · NMLS 484297
I'm not a rate machine. I'm a mortgage strategist who shows up — at events, in the community, and with every client. My job is to help you make the smartest decision for your life and your goals.
Know Your Numbers Before We Talk
Use these tools to walk into any conversation informed and confident — no guessing, no surprises.
Quick Payment Estimate
Not a commitment to lend
Today's Market Pulse
Alberto's Take This Week
Rates are essentially flat this week — the 30-year conforming is sitting at 7.42%, down less than a basis point day-over-day, so no meaningful shift in either direction. Florida's inventory has been creeping up toward 4.5 months of supply, which gives buyers a bit more negotiating room than they had a year ago, though median prices around $415,000 are holding steady for now. If you're under contract or close to it, this is a reasonable week to have a rate lock conversation with your lender rather than waiting on a move that isn't showing up in the data yet.
Source: Optimal Blue Mortgage Market Index (OBMMI) · Florida Realtors
Scenario Builder
Build a personalized mortgage plan with your numbers — price, income, credit, and goals.
Build My PlanTalk to Alberto Directly
15 or 30 minutes. You get me — not a sales rep. Bring your questions or start from zero.
Start the ConversationWhat Clients Say
Real outcomes. Real people.
"Alberto didn't just get me a mortgage — he explained every single option and made sure I understood exactly what I was signing. Closed in 21 days."
"We were self-employed and couldn't get approved anywhere else. Alberto found a way. Professional, fast, and genuinely cares."
"Used Alberto for 3 investment properties now. DSCR loans made simple. He knows his stuff and works fast."
You deserve a guide,
not a pitch.
When you work with Alberto, you get direct access — no call centers, no handoffs. Just honest guidance tailored to your goals.
Alberto Cruz · NMLS 484297 · Lovera Home Loans · Nexa Mortgage