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a Division of American Pacific Mortgage Corporation NMLS 1850
Meet Our Experts
Nicky Cruz

Nicky Cruz

NMLS 1460132

Mortgage Consultant

1127 11th Ave STE 303
Honolulu, HI 96818

Office: 916.787.9977
Cell: 808.223.0535
Fax: 808.600.3715

About Nicky
In a world of online experts and push-button mortgages, I believe the human connection still matters. I believe there is never a one-size-fits-all solution when it comes to making one of the biggest financial commitments of your life. As your mortgage adviser, I am constantly expanding my knowledge and staying current on the latest mortgage and real estate trends so that I can offer you smart loan options. My team and I will listen so we can provide you with individualized mortgage solutions, based on your unique circumstances and goals.

My philosophy is simple. I will never recommend a mortgage solution to my clients that I would not feel comfortable offering to my mother or best friend. My utmost goal is to earn your trust so that you feel confident throughout the entire loan process.

At the heart of everything I do is my family. I know what a home can mean for a family, therefore I handle each loan with care knowing on the other end is a place to call home, family gatherings, birthdays, celebrations, and many other memories to be made.

Element Mortgage is more than just a Top 10 Retail Mortgage Bank. I partnered with Element Mortgage and American Pacific Mortgage because of their long track record of giving back. I am proud to be affiliated with a company that is committed to caring for their employees, their clients and the communities where they live. Just this past year, our APM Cares was able to raise nearly $2000 to assist my family that lost their home in the camp fire.

Let me show you why the human connection still matters.

Let’s do this.

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