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Nicky Cruz (NMLS #1460132)

  • Mortgage Lenders
  • Honolulu, HI
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About this business

FinanceMortgage Lenders

Element Mortgage, a division of American Pacific Mortgage Corporation NMLS #1850 : Licensed by the Department of Business Oversight Under the California Residential Mortgage Act. Equal Housing Opportunity. Years of helping families obtain their dreams of home ownership under a parent company, we built a brand that resonates our true core culture. We took everything we learned from a combined 70 years of experience, kept the high level of quality, added a new perspective, and created Element Mortgage. We are Unlocking the Hum... read more

Location details

3465 Waialae Avenue, Suite 300A, Honolulu, HI, 96816.0, United States

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Mon9:00 a.m. to 6:00 p.m.
Tue9:00 a.m. to 6:00 p.m.
Wed9:00 a.m. to 6:00 p.m.
Thu9:00 a.m. to 6:00 p.m.
Fri9:00 a.m. to 6:00 p.m.
5.038 reviews
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nancyhong321's profile image
9 months ago

I had a wonderful experience working with Nicky on a loan for our home. Her dedication, responsiveness, and expertise made the entire process smooth and stress-free. Nicky promptly addressed all my questions and concerns, providing clear explanations at every step. She proactively assembled necessary documents and coordinated with all parties involved, ensuring a seamless loan application and approval process. I highly recommend Nicky to anyone seeking a loan officer who truly cares about their clients. 

Joshua S.'s profile image
Joshua S. 
on Birdeye

10 months ago

Nicky is very friendly, attentive, and will always keep you informed of the process. I would definitely recommend her to anyone. 

Business response:

Thank you so much for sharing the great feedback, Joshua. We really appreciate you taking the time to share your experience with us.  

Kathy L.'s profile image
Kathy L. 
on Birdeye

a year ago

Our loan with Element Mortgage went great. Especially, our loan office Nicky Cruz. Her knowledge, personalities, and her professionalism we are greatly appreciate. She was always on top of our loan process. She would reach out to us immediately in a timely matter when we emailed or called. We would recommend her to friends and family. We hope to work with her again in the near future when we are in the market to purchase. Thank you Nicky for a wonderful job with our loan. 

Andrew's profile image
2 years ago

Nicky was always an email, text, phone call away. We felt reassured that we could reach out with questions or concerns and be received with kindness. She helped us get into a first-time home buyer program, MCC, that hadn't been funded for a few years. It required a great deal of coordination and work but Nicky lead us and we got it done! 

Business response:

Thank you so much for the kind words Andrew! I truly appreciated your and Alana's understanding, patience, and quick responses to the process and all that was asked of you. Congratulations on your home and MCC tax credit as well. You both are awesome! Now let's set up a surf day! ;) 

Sergio A.'s profile image
Sergio A. 
on Birdeye

2 years ago

Nicky and her team were simply amazing! Buying a home is always more complicated than you think and they made it easy. Always courteous and professional I would highly recommend her and her team. 

lcrustia's profile image
2 years ago

Nicky Cruz provided a level of service that we did not know we needed until we ran into delays closing our home loan. Nicky kept us informed, facilitated whenever possible and provided emotional support throughout the purchase process. Nicky went above and beyond in assisting us. We will forever be indebted to Nicky for working with our agent to secure our dream home in Hawaii. We wholeheartedly recommend Nicky Cruz to anyone looking to find their next home. 

Business response:

Thank you so much for also being patient and so easy to work with. You and your wife make my job easy. I appreciate your kindness! 

mwahl411's profile image
2 years ago

Nicky is very knowledgeable and guided us through the process. It was great to have someone who understands the Hawaiian market. We are buyers from New York and were able to make the transaction virtually. 

Business response:

Thank you for entrusting me to assist you even with the different time zones haha. I appreciate your patience and flexibility. It was a pleasure working with you! 

Maureen W.'s profile image
Maureen W. 
on Birdeye

2 years ago

Nicky made the process very clear and answered all our questions. She kept us informed every step of the way. We are grateful for all her help. 

Shawn M.'s profile image
Shawn M. 
on Birdeye

2 years ago

Nicky was beyond professional throughout the whole process! Thanks for making this so easy! 

Frequently asked questions about Nicky Cruz (NMLS #1460132)

How is Nicky Cruz (NMLS #1460132) rated?

Nicky Cruz (NMLS #1460132) has a 5 star rating with 38 reviews. 

When is Nicky Cruz (NMLS #1460132) open?

Nicky Cruz (NMLS #1460132) is open now. It will close at 6:00 p.m.