John Cruz

NMLSID#
2776250
Company
First Home Mortgage
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Certified
Equal Housing Opportunity
Job Title
Loan Officer
Career Started
2026
Address
900 Bestgage Road Suite 310 Annapolis, Annapolis, MD-Maryland
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Certified

About John Cruz

John Cruz is a Loan Originator with First Home Mortgage in the Annapolis branch. A lifelong Maryland resident raised in Howard County, John earned his degree in Kinesiology & Exercise Science from The University of Alabama. For more than a decade, John worked in sales for medical device companies Zimmer Biomet and GE HealthCare, where he developed a reputation for building trust and guiding clients through complex, high stakes decisions. That experience sharpened his ability to communicate clearly, analyze details, and deliver solutions tailored to individual needs. Today, John applies those same skills as he helps clients achieve their dream of homeownership while also making the loan process as smooth and stress free as possible. John resides in Sykesville, MD with his wife Joanie and their two sons. Outside of work, he enjoys spending time with his family or out on the golf course.

John's Reviews

5.0 Stars - 2 Reviews
"I had an excellent experience working with John throughout my home purchase. As a first-time homebuyer, I had a lot of questions, and John was always patient, responsive, and willing to explain everything in a way that was easy to understand. He never made me feel like any question was too small or too "dumb," which helped make a very stressful process much less intimidating. John was transparent, respectful, and kept me informed every step of the way. He worked hard to keep my monthly payment within my target budget and was always available when I needed clarification or reassurance. One thing that really stood out was that he genuinely seemed to care about helping me succeed, not just closing a loan. He even came to settlement to celebrate with me, which was a thoughtful gesture that meant a lot. I would highly recommend John to anyone looking for a knowledgeable, professional, and supportive lender, especially first-time homebuyers."
Buying - Edgewood, Maryland June 2026
"My wife and I had the privilege of being John's first mortgage clients, and we couldn't have asked for a better experience. From start to finish, John was incredibly responsive, knowledgeable, and genuinely cared about helping us make the best decisions for our family. The mortgage process can be stressful and overwhelming, but John made everything feel smooth and manageable. He was always available to answer questions, explain options, and guide us through each step with patience and professionalism. What stood out most was his willingness to go the extra mile. No matter the time or situation, John was committed to making sure we felt informed, comfortable, and supported throughout the entire process. If you're looking for a mortgage lender who is trustworthy, hardworking, and truly puts his clients first, I highly recommend John Cruz. We are grateful for everything he did for us and look forward to working with him again in the future."
Buying - , June 2026

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