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Cleo Garza at CrossCountry Mortgage - Loan Officer | NMLS #218858 in Roseville, CA

Cleo Garza at CrossCountry Mortgage

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Loan Officer | NMLS #218858

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Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Shavano Park, TX. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner cons... Show More
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5 Star
91%
4 Star
8%
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Reviews from Web
  • Encompass
    D
    Diana M
    New Braunfels, TX
    Posted on March 19th, 2026 01:34 PM
    Everything from start to finish was efficient, simple and an enjoyable exciting experience
    Reply from Cleo Garza at CrossCountry Mortgage
    April 3rd, 2026 01:49 PM
    Thank you for putting your trust in us! It was our pleasure to assist you throughout the process.
  • Encompass
    D
    Don C G
    San Antonio, TX
    Posted on March 13th, 2026 12:51 AM
    Made this entire process easier to manage and was not as rough as I thought it would be. Thank you Cleo and team!
    Reply from Cleo Garza at CrossCountry Mortgage
    April 3rd, 2026 01:49 PM
    Thank you for your positive feedback. We’re happy to hear that you had a great experience with us.
  • Encompass
    B
    Brett M E
    San Antonio, TX
    Posted on March 3rd, 2026 03:19 PM
    Helping to get things taken care of. Not sure if at times the team being elsewhere made responses a little slower, but I also am aware the entire process was crammed into a few weeks and I appreciate getting the lowered interest rate and I...
    read more
    Reply from Cleo Garza at CrossCountry Mortgage
    April 3rd, 2026 01:49 PM
    We are grateful that you took the time out to leave us a response. Please let us know how we could have helped you further to make sure we deliver exceptional services.
  • Encompass
    L
    Leah H
    San Antonio, TX
    Posted on February 27th, 2026 04:07 PM
    Cleo Garza & his team work hard for a seamless real estate transaction! Summit Funding was efficient, communicative, and made the entire process smooth and stress-free.
  • Encompass
    V
    Victoria E M
    San Antonio, TX
    Posted on February 26th, 2026 03:37 PM
    From the very beginning of my buying process Cleo and his team made sure in deep detail what my process would be like and made sure I understood the do's and don't. I am deeply greatful for this team and company. I was well educated on mortgage...
    read more
    Reply from Cleo Garza at CrossCountry Mortgage
    April 3rd, 2026 01:49 PM
    Thank you for putting your trust in us! It was our pleasure to assist you throughout the process.
  • Encompass
    D
    Danny B
    Bandera, TX
    Posted on January 31st, 2026 03:17 PM
    The communication was great, polite and knowledgeable
    Reply from Cleo Garza at CrossCountry Mortgage
    April 3rd, 2026 01:49 PM
    Thank you so much for trusting us with such an important step! We are honored that you chose us as your team.
  • Encompass
    R
    Ryan N
    Dripping Springs, TX
    Posted on January 30th, 2026 04:40 PM
    We got closed!
    Reply from Cleo Garza at CrossCountry Mortgage
    April 3rd, 2026 01:49 PM
    Thank you so much for trusting us with such an important step! We are honored that you chose us as your team.
  • Encompass
    Z
    Zhuang Y
    San Antonio, TX
    Posted on January 24th, 2026 02:32 PM
    Working with this lender was a great experience from start to finish. They were professional, responsive, and took the time to clearly explain every step of the loan process. Communication was always prompt, and I felt well supported and informed...
    read more
    Reply from Cleo Garza at CrossCountry Mortgage
    April 3rd, 2026 01:49 PM
    Thank you for putting your trust in us! It was our pleasure to assist you throughout the process.
  • Encompass
    M
    Mark D F
    San Antonio, TX
    Posted on January 22nd, 2026 02:21 PM
    Cleo and team's attentiveness and willingness to help when needed made our experience great.
    Reply from Cleo Garza at CrossCountry Mortgage
    April 3rd, 2026 01:49 PM
    We are grateful that you took the time out to leave us a response. Please let us know how we could have helped you further to make sure we deliver exceptional services.
  • Encompass
    S
    Savannah M M
    San Antonio, TX
    Posted on January 21st, 2026 01:46 PM
    Cleo Garza and his team have so much experience with getting the average American approved for a home loan.
    Reply from Cleo Garza at CrossCountry Mortgage
    April 3rd, 2026 01:49 PM
    Thank you for putting your trust in us! It was our pleasure to assist you throughout the process.
  • 11–20 of 145
    About
    Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Shavano Park, TX. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #218858 | Branch NMLS #2822335
    Products & Services
    Mortgage Loan Officer
    Conventional Home Loan
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    Year Started

    2007

    Time Zone

    Pacific Standard Time (PST)
    Licenses
    • 218858
    Disclaimer
    Equal Housing Opportunity

    CrossCountry Mortgage, LLC
    2160 Superior Avenue, Cleveland, OH 44114

    NMLS3029 | MB.803095

    DISCLOSURES & LICENSES

    PRIVACY STATEMENT

    NMLS CONSUMER ACCESS