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30 & 15- Year Fixed Mortgage

30 & 15- Year Fixed Mortgage

30 & 15- Year Fixed Mortgage

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30 & 15- Year Fixed Mortgage

30 & 15- Year Fixed Mortgage

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30 & 15- Year Fixed Mortgage

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Bank Statement Loans

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Investor Options

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Know Before You Buy

Know Before You Buy

Know Before You Buy

I'm here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a FREE pre-qualification letter so you know exactly what you can afford.

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Know Before You Buy

Know Before You Buy

Refinancing is the process of paying off your existing mortgage with a new mortgage. It could save you a considerable amount of money over the life of your loan, & potentially improve your overall financial outlook. 

Recalculate Your Mortgage

Local. Experienced. Trusted.

Jennifer Cruz

Vanessa Martinez

Daniel Herrera

Jennifer Cruz has been in the finance industry for over 25 years and became a Loan Originator because she's always felt that homeownership should be available for everyone. She truly believes that the dream of homeownership is just a phone call away when you work with her team. 

NMLS #1613455

Daniel Herrera

Vanessa Martinez

Daniel Herrera

Daniel Herrera known for his commitment to securing the best mortgage deals for his clients. With his extensive industry knowledge and personalized approach, he ensures clients meet financial goals with with precision and care as a trusted mortgage partner. 

NMLS #2337126

Vanessa Martinez

Vanessa Martinez

Vanessa Martinez

Vanessa Martinez is known for her dedication to helping clients secure the right mortgage solutions for their needs. With strong industry knowledge and a personalized, client-first approach, she guides borrowers toward their financial goals with clarity, care, and confidence.

NMLS #1984770

Daniel Escobar

Marilyn Ardiente

Vanessa Martinez

Daniel Escobar is all about finding the mortgage solutions that fit you. Known for his dedication and sharp industry know-how, he makes navigating loans simple, smart, and stress-free. Whether it’s your first home or your next investment, Daniel’s approach is personalized, precise, and always focused on your goals. 

NMLS #1468384



Marilyn Ardiente

Marilyn Ardiente

Marilyn Ardiente

 With a keen understanding of the industry and a commitment to client success, Marilyn guides individuals toward the right solutions, making complex decisions simple and stress-free. 



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Jennifer Cruz Home Loans

1201 East Ocean Avenue Ste M , Lompoc, California 93436, United States

805-680-1352 jennifer@myclearpath.homes

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09:00 am – 05:00 pm

Document Check List

List of what documents are required for a home loan application.

Credit Checklist (pdf)

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Financial Checklist (pdf)

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Income Check list (pdf)

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Loan Checklist (pdf)

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Jen Cruz Powerd by My Clear Path Home Loans

jennifer@myclearpath.homes

805-680-1352

CLEAR PATH HOME LOANS is a DBA of Mpire Financial Group LLC (NMLS #2108504) | Mortgage Broker, Lender & Correspondent Lender | Mpire Financial Group LLC DBA Mpire Financial of Idaho By providing your phone number, you agree to receive recurring automated text messages. Consent is not a condition of purchase. Msg & data rates may apply. Frequency varies. Reply HELP for help, STOP to cancel. See Terms of Service & Privacy Policy. Texas Disclosure (7 TAC §80.200(b)): Consumers wishing to file a complaint against a company or residential mortgage loan originator should submit a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 N Lamar Blvd, Suite 201, Austin, TX 78705. Forms: www.sml.texas.gov | Hotline: 1-877-276-5550. The Department maintains a Recovery Fund for certain out-of-pocket damages caused by licensed mortgage loan originators. Written application required. Details: www.sml.texas.gov.  Legal Disclaimer: This is not a commitment to lend, approve, or qualify. Additional terms may apply. Not authorized by the New York State Department of Financial Services; no NY loans accepted via this site. Zillow data/reviews © Zillow, Inc. 2006–2024. NMLS Consumer Access: nmlsconsumeraccess.org | NMLS #891464  Licensed in: AL, AZ, CA, CO, DE, FL, GA, HI, IL, IN, KS, KY, MA, ME, MI, MN, MO, MS, NC, ND, NH, NM, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WY / AZ Broker License #MB-1007405 | MA License #MB891464 © 2025 Jen Cruz | Mpire Financial Group LLC. All rights reserved.

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