Cruz Financial Group
^{Affordable & Reliable Mortgage Solutions}

Trusted For Over 20 Years

We have built a reputation for delivering exceptional service and remain the preferred choice for homeowners in Burlington, Ontario.

Proudly Filipino-Canadian

We speak Tagalog and are committed to helping immigrant Filipino-Canadian families realize their financial aspirations in our home in Canada.

We Build Connections

With us, you’re not just another client; we are your partner in your journey towards financial stability and accomplishments.

Discover How Cruz Financial Group Provides The Best Mortgage Rates in Burlington, Ontario.

Cruz Financial

4.9

Based on 41 reviews

review us on

Irene D.

17:16 27 Sep 24

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.

Pinky Lagat

09:45 25 Sep 24

jeffrey lagat

23:58 24 Sep 24

Rafael Ting

23:02 21 Sep 24

Service is outstanding, a one stop shop go to guy. Ralph and his team has all the solution for just about everything I needed. Very reliable and most important thing is I certainly felt their sencere and genuine willinglyness to help. Definetely recomended to family and friends. Give it a try and you can get rid of the word "dissapointment" from your vocabulary.

Jonathan Santos

15:21 01 Sep 24

Mr. Ralph Cruz has been very helpful with my family's financial plans, especially on our recent house mortgage re-financing. Mr. Ralph will give you good and sound advice beyond your needs and expectations...God bless Mr. Ralph and your company.

Ruth Maronilla

00:06 31 Aug 24

ralph has been a great help to us! Easy to communicate and very knowledgeable.he made evrything easy for us!Highly recommended!!

Vanessa P

16:52 31 May 24

Ralph has been working with my family for a few years now and we are still so pleased to work with him till this day! Ralph is knowledgable, professional and always willing to help my family. Ralph was working with us during our first home buying process and he was always there to give us great financial advice, making our moving process a breeze!Thank you Cruz Financial!

Rhyl Martinez

22:51 21 Mar 24

Nothing but a positive experience working with Ralph and his team. They all went above and beyond for me and my family. Ralph made the process of buying our first home so easy and manageable. He truly had our best interests in mind and made us feel so comfortable and confident in this whole process.We can’t thank Ralph and his team enough for all their hard work. My family and I would wholeheartedly recommend Cruz Financial to anyone we know.

Mary Laverde

15:02 27 Jan 24

Cruz Financial; Ralph Cruz- knowledgeable, professional and kind. In conversations, over the years I am so grateful for all the wisdom. He is diligent yet fair, understands the market and how to manage risk. He treats each file individually and works with you to make it work. He’s truly a one stop shop. Call Ralph and his team for your mortgage, investments & insurance needs. We started off as colleagues and became friends. Highly recommend his services.

Cherrylyn Apostol

03:44 26 Jan 24

I wanted to express my deepest appreciation for all your time and help to us. Many thanks to your assistance in our selling and buying transactions.

Rosita3 Quinial

01:32 13 Dec 23

Had the pleasure with working with Ralph Cruz for our mortgage renewal. Exceptional experience, professional and personable, and highly recommended!

Richard Cruz

16:13 09 Dec 23

From insurance needs, buying our first home and selling it, upgrading to a bigger home, Ralph made it possible. He assisted and supported us in every step of the way. Ralph will be providing you with full of encouragement throughout the process.Not just an exceptional financial advisor and knowledgeable on his craft, Ralph will treat you like a family, always have your back, easy to reach out and incredible listener. Our family will always be thankful to have him in our lives.

Mary Claire Magcalas

13:48 31 Oct 23

We highly recommend Ralph to anyone wanting to achieve better financial outcomes. His expertise providing detailed options and showing the whole picture of the situation reassured us achieving our family’s financial goals. We are delighted and would like to express our thanks for the work he has done for us over the past years.

Manileño Vlogs

16:32 12 Sep 23

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

Our Services

Discover the Best Mortgage Rates in Ontario

Fast & Easy

Mortgage
Pre-Approval

Discover your borrowing power! No guessing – guaranteed pre-approvals! Avoid disappointments by getting an accurate pre-approval.

Get Expert Help

Mortgage Renewal

Renewing into a significantly higher rate? Ask how we can decrease your monthly payments. It’s not all about the rate.

Unlock Equity

Refinancing / Debt Consolidation

Need to reduce credit card costs, fund renovations, or support your child’s home downpayment? We can boost your cashflow and save on interest. Inquire now!

Save Money

Home Loan Origination

Let us find the best mortgage rates for you. We handle everything from application to closing.

Owning your dream house has never been easier!

having access to over 35 lenders (banks, credit unions and institutions), plus an array of private lending companies throughout Canada, we are sure to have a solution for all your residential mortgage needs.

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Certified Lenders

Our Unique Approach

Your Home,
Our Passion

We are firmly driven by the belief that every family has the right to a home they love. Guided by this principle, we strive to provide our clients with the necessary knowledge and best choices to acquire their dream home.

Experience meets AI Technology

We combine decades of expertise with today's up-to-date financial tools to assist clients in utilizing our abilities at their service.

Self-Assessment Tools

Discover our collection of mortgage calculators and pre-qualification tools.

Home-buyers Knowledge Base

Access our library of free resources to gain insight into the best mortgage strategies employed by experts.

Expert Financial Advice

Built Wealth & Maximize Your Investment

Expert Mortgage Advice

For first-time home buyers, looking to refinance, or invest in residential real estate

Mortgage Refinancing

Explore the benefits of refinancing your existing mortgage.

Real Estate Strategies

Leverage real estate mortgage strategies to build your real estate portfolio.

The #1 Preferred Mortgage Experts for Filipino-Canadians in Burlington, Ontario

Discover the difference with Burlington's top-rated mortgage company, specializing in serving the Filipino Canadian community. Our dedicated team understands your unique needs and is committed to helping you find the perfect home loan solution.

Discover why we are the #1 choice for Filipino Canadians in Burlington, where your dream home becomes a reality.

350+

Families Assisted

20+

Years Experience

Let's Talk.

We Are Here For You.

Let us know what you need and our specialists will promptly get in touch with you.

Talk to a mortgage expert now!

Discover the Best Mortgage Rates in Burlington, Ontario.

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Cruz Financial GroupAffordable & Reliable Mortgage Solutions