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Gaby Dela Cruz

Senior Loan Officer
NMLS#: 375158
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Your mortgage journey begins here. Getting started on the purchase or refinance of your home is just a few minutes away. No commitment needed.

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- About Me

Gaby was born in Texas. She moved to Las Vegas at just one year old and has called the city home ever since. She loves the fast-paced, ever-growing nature of Las Vegas and will always consider it her home.

Gaby and her husband raised a blended family of four children. Their days were often filled with sports activities, choir performances, and orchestra concerts. Now that their children are grown, Gaby and her husband take pride in supporting their kids’ careers and academic accomplishments. She values her strong spiritual beliefs and core family values, which guide her both personally and professionally.

With 18 years of experience in the mortgage industry, Gaby has excelled as a processor, loan officer assistance and currently serves as a Senior Loan Officer at America First Mortgage ®. She has extensive experience working with builders, has spent many years in retail lending, and is now expanding her expertise into the broker side of the business.

Gaby’s primary goal is to help borrowers understand the range of products available and guide them toward the best option for their families. She is passionate about making the dream of homeownership a reality and ensuring her clients feel confident throughout the process.

Gaby Dela Cruz

Senior Loan Officer
NMLS#: 375158
Loans I specialize in: Bank Statement Loan, Bridge Home Loan, Cash-Out Refinance, Construction Home Loan, Conventional Loans, Debt Consolidation, DSCR Home Loan, FHA Loan, First Time Home Buyer, HELOC Home Loan, Home Purchase, Investment Property, Jumbo Loan, Non-QM, P&L, Refinance, Reverse Jumbo, Reverse Mortgage, Self-Employed, USDA Loan, VA Loan
States I'm licensed in: AR, NV
- Why borrowers choose Me
A better experience, start to keys.

You’re not choosing a loan — you’re choosing the people who get it done. Here’s what that feels like with me.

I work to close on time

I stay closely involved throughout processing and underwriting, helping keep communication clear and your loan moving toward closing.

You can always reach me

I stay accessible throughout the process, so you’re never left wondering what’s happening with your loan.

I fight for your bottom line

I compare options across our lender network to help find competitive pricing, and I’ll walk you through the rates, costs, and fees in plain English.

No jargon, ever

I walk you through every option so you understand exactly what you’re signing — and feel confident doing it.

- What happens next
Four steps, and you'll always know which one you're on.

Everyone is different, but almost everyone starts in one of these places. Find yours and I’ll tell you what to expect.

01
We talk

Fifteen minutes on the phone. What you want, what you’ve saved, what worries you.

02
I start your pre-approval

I’ll gather what the lender needs and let you know where you stand once it’s reviewed.

03
I lay out your options

I compare programs and pricing and walk you through the tradeoffs side by side.

04
I get you to closing

I stay involved through underwriting and check in as things move along.

- For real estate agents
Send me your client and I'll keep you in the loop at every step.

Pre-approvals that hold up under a competitive offer, weekly status on every file, and a straight answer when a deal isn’t going to work. I’d rather protect your reputation than force a close.

Honesty & integrity

I treat every client the way we’d want to be treated — with transparency on rates, fees, and timelines.

Local, experienced

With my experience I can confidently recommend the financing that genuinely fits.

Twenty-plus programs

From FHA and VA to jumbo, cash-out, and investor loans — the right option, all under one roof.

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