Contact details
About Marie Cruz
I earned my bachelors degree from California State University-Northridge in Finance and earned a minor in Real Estate. In the last 20 years, I have worked in the real estate field, in many different real estate roles for multi million sales companies.
My work experience in Mortgage Financing, Construction Lending Officer, and Default Loan Mortgage Financial Analyst, has given me a full Real Estate cycle knowledge of the home buying processes from initial application to closing, funding, Auditing to then servicing the loan. I have worked for Washington Mutual, Merrill Lynch, HomeSide Lending and ABN Amro-Mortgage Servicers. I love to assist, coach and guide my clients in such an important financial decision as it is to buy a home! I am personal, transparent and I bring synergies to my clients.
Florida Homes Realty
Marie Cruz
My credentials
Real Estate Advice
Homebuyer Tips
How To Use Color Trends To Make Your Home Decor Stand Out In 2023
Your home is a reflection of your personality, and the colors you choose to decorate it will play a crucial role in creating the ambiance and the mood of your living space. As we enter spring, the season of revival and rebirth, it’s the perfect time to start updating your home’s color scheme to keep it fresh, stylish and inviting. In this article, we’ll ...
Homebuyer Tips
Best Places To Live In Virginia
When looking for the best places to live in Virginia, you will not be disappointed. Located on the southeastern coast of the United States, Virginia is filled with rich history, natural beauty, and diverse communities. With its close proximity to Washington D.C. and the Atlantic Ocean, Virginia offers a unique blend of urban and rural living that makes it an attractive ...
Agent Advice
Content For Real Estate Agents: The Top Strategy For Success In 2023
As a real estate professional, you probably wonder why creating content for real estate agents has anything to do with the job, itself. But companies and agents picking up the routine made it evident that social media marketing and a solid overall web marketing strategy with content can be much more effective than paid advertisements. Well, as an agent, your ...
Agent Advice
Pros & Cons Of Being A Real Estate Agent
Before starting a real estate agent career, learn about the pros and cons of being a real estate agent. Weighing the benefits and drawbacks allows you to make smarter decisions about your future profession. A career in real estate may give considerable benefits. It can also provide various problems that must be overcome. It is a career that involves hard labor and ...
Agent Advice
Best Paying Jobs In Real Estate
Have you ever dreamed about a career with a 6 figure salary? Most people certainly have. What most people haven’t dreamed about, though, is how to get that amount of money. The reason for that might be that the goal seems to be lightyears away from reality, or it’s hard to make a move from the warmth of the comfort zone. Also there are people who are just ...
Real Estate Glossary Terms
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Demand Loan
Also called demand note. A loan with no established maturity period, callable on demand by the lender for repayment. The interest on this type of loan is calculated on a daily basis and billed at fixed intervals. ...
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Legal Age
The age at which one is legally capable of entering into binding contracts, signing a deed and negotiating business agreements. In most states this is the age of majority. Normally this is the age of 18. However, for certain activities, such as drinking alcoholic beverages, the age could be higher o ...
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Tax Base
The value of property subject to tax. The tax equals the tax rate multiplied by the property's value. ...
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Rent-free Period
Span of time a rental agreement is free to the occupant. A landlord may offer this as an incentive to stimulate rentals. For example, an owner of an office building may provide a free rental for the first month if the tenant signs a one-year lease. ...
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Contingent Business Income Coverage Form
Coverage for loss in the net earnings of a business if a supplier business, subcontractor, key customer, or manufacturer doing business with the insured business cannot continue to operate because of damage or destruction. For example, a specialty hot dog stand noted for its great buns cannot sell i ...