Cruz Financial - Burlington, Ontario

DRAVENALBA

I can not express in words how blessed me and my family in getting to know and work with Ralph. Same with most Canadians me and my family also aspires to have our own house. God works in mysterious ways indeed. Ralph Cruz is godsend to us. He made us understand about everything in buying a house and what comes with it. Dealing with Cruz Financial is like dealing with your family cause that what they made me feel that they are my family and is always there to help me and my family in our Journey to own our new house. Ralph is the best thing that ever happened to me and my family. We will always appreciate him and his group. I will always recommend him and his company to not just to my fellow filipino but to everybody else. If you want a broker that makes you feel a family Cruz financial is for you. Ralph always answers all my concerns and questions and walk you thru the process and makes you understand it as well. Makes you buying your house very smoothly. Thank you Ralph and to the people of Cruz Financing. We will always be grateful to you. May God bless you more 🙏❤️

Mary A. B.

Ralph Cruz helped us acquire our first home in Canada, and my family and I are extremely grateful for his support and guidance throughout the process. He provided exceptional support, addressing all our questions and concerns with patience and clarity, making us feel at ease throughout the entire process. I told Ralph that he is God sent to us, he showed up in our life where we are at the point of uncertainty if we can still buy a house or not. He just came at the right time. Not only he made us feel at ease through out the journey, he made us feel like a family.

We highly recommend Cruz Financial due to Ralph's exceptional support and guidance, which enabled us to overcome numerous challenges and achieve our goal of buying a first home in Canada. I hope and pray for this company's more success so that many families will received such exceptional service with a touch of care.

Emie L.

I would give them an excellent review we are so satisfied with our refinancing process. They are not only about the mortgage, they are also financial advisor. You will feel their concern about your finances. They are helping you with the process until you get on the right track with your financial goal. Kudos to Ralph and Christine

Dayz D.

It has been and still is a pleasure working with Ralph and his team. His professionalism, transparency, and honest assistance made our first mortgage journey smooth and stress-free. He will not tell you what to do, but will explain the pros and cons of every option possible for you. His vast knowledge of the industry is remarkable and his being responsive and attentive to the details in answering all our questions is truly appreciated. Up to this date, he makes himself available for any financial consultation that we need and would patiently discuss all possible options just to help us find the right solution. We felt very valued as a client.

Ralph, we are sincerely thankful for all that you’ve done for us. My family will definitely be continuing using your services and recommend you to our friends in the future - J&Z.

Jays

Ralph(Cruz Financial) has been great in helping my cousin in the process of buying their first house. I referred my cousin to him as I know she will be taken care of properly. My cousin as well is greatful and appreciative of Cruz Financial. Great service and Highly recommended!!!

Cristina G.

We worked with Ralph acquiring our first home. The whole process, Ralph has been very transparent and always takes time to answer my questions. We had an issue with our first attempt purchase with other broker because our situation was not carefully assessed during that time. With Ralph’s experience he asked us to delay trying again to make sure we lessen major set back with CMHC. Time came and in January 2025 I told him I think we are ready and after doing the pre approval he agreed so. February 20th we moved to our new home. The service he offers is based on expertise and genuine concern to our financial situation. He makes sure to give us options and a lot of advise to consider. Thank you Ralph! We wish you more success!

Matthew M.

Thank you so much, Cruz Financial! Very smooth and professional business! As a first time homebuyer, they have helped us a lot navigate through this process from day 1 to even after closing the property.

This company is strongly recommended together with Nathan Soriano - Real Estate. Thank you so much, Ralph! I look forward to our future transactions!

-Matt M

Irene D.

I want to say thank you to Cruz Financial for helping me purchase my very first property. Ralph is a very nice guy, knowledgeable and easy to talk to. I had so many questions and he responded to them right away which gave me peace of mind. Overall, I had a great experience working with Ralph & Cruz Financial Team.