Alex Cruz
Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC · Paramus, NJ
NMLS ID 589200 (opens in a new tab) · verify at NMLS Consumer Access
Alex Cruz (NMLS 589200) is Vice President, Mortgage Lending at Guaranteed Rate Affinity, LLC, based in Paramus, NJ. Licensed in Florida, confirmed with the state regulator (license LO127172). Also lists New Jersey on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: 1099 income, Bank statement loan and Self-employed. Speaks Spanish. Earliest state license record: March 26, 2024 (Florida), per state regulator. States 26 years of experience.
Last verified . Sources: Guaranteed Rate Affinity, LLC (grarate.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: March 26, 2024 (Florida), per state regulator
- 26 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 2 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
- Focus: 1099 income(from their lender profile page)
- Focus: Bank statement loan(from their lender profile page)
- Focus: Self-employed(from their lender profile page)
Where we saw these: grarate.com (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Languages
- Spanish
Source: lender site (opens in a new tab), verified 2026-10-15
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO127172, first effective 2024-03-26), verified 2026-10-15.
Lender-reported: NJ is listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Guaranteed Rate Affinity, LLC NMLS 1598647
Current · Paramus, NJ · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Alex Cruz focuses on first-time buyers, 1099 self-employed and bank statement borrowers across Rahway, Woodbridge, Linden and Clifton Wayne, with 26 years in the industry. Bilingual in Spanish.
Our summary of the lender page. Verified 2026-10-15.
- Also
- Helped over 500 clients secure financing for homes
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-15 |
| Licensed states | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Languages | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Summary | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| Photo | lender site · grarate.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Alex Cruz (NMLS 589200), Guaranteed Rate Affinity, LLC. LenDb.ai, https://lendb.ai/lo/alex-cruz-589200, last verified 2026-10-15.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.