Ios288 f71a2d1f7c0348e986455690e293e427
Aileen Cruz

Managing Partner

Guam SA5823

CBC Guam - Cruz Benefits Consultants
Representing John Hancock, Midland NationalLife, Pacific Guardian Life, and Transamerica
138 East Marine Corps Drive | J&G Commercial Center | Suites 101-102 C-Annex | Hagatna, GU 96910-5121
www.cruzbenefits.com
Text: Aileen Cruz to 36260 to Receive this Toolkit

Ios288 f71a2d1f7c0348e986455690e293e427
Aileen Cruz

Managing Partner

Guam SA5823

CBC Guam - Cruz Benefits Consultants
Representing John Hancock, Midland NationalLife, Pacific Guardian Life, and Transamerica
138 East Marine Corps Drive | J&G Commercial Center | Suites 101-102 C-Annex | Hagatna, GU 96910-5121
www.cruzbenefits.com
Text: Aileen Cruz to 36260 to Receive this Toolkit

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Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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I began my insurance career in May 2008 when I moved back to Guam and became a part of the Aflac Guam field force as a Benefits Consultant. I love learning new things as well as building my knowledge base and professional experiences. I soon learned that I loved the industry and wanted to expand my career to meet new challenges and help others in my field force as well as our local community. In 2011, I accepted a new position as a District Sales Coordinator with Aflac and loved helping my team to grow. A few years later, I became the Aflac Guam Regional Sales Coordinator in October 2015. As a Regional Sales Coordinator, I met new challenges to help my Guam field force achieve our regional goals and to grow our team. In June 2018, I left the Aflac field force to focus on building my own business with Cruz Benefits Consultants (CBC Guam). Cruz Benefits Consultants was established in June 2015 by my mom and working partner Annie Cruz. Annie was in the insurance industry since October 1990, and has worked for Aflac for 27 years. She established the company to service the individual and family needs on Guam. Our company Cruz Benefits Consultants represents several insurance carriers to provide our clients the best plans in Life, Disability, and Voluntary Benefits. Our mission is to provide individuals and families the future protection that they need, financial security for their families, and peace of mind.

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You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your insurance consultant.

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Ios288 f71a2d1f7c0348e986455690e293e427
Aileen Cruz

Managing Partner

Guam SA5823

CBC Guam - Cruz Benefits Consultants
Representing John Hancock, Midland NationalLife, Pacific Guardian Life, and Transamerica
138 East Marine Corps Drive | J&G Commercial Center | Suites 101-102 C-Annex | Hagatna, GU 96910-5121
www.cruzbenefits.com
Text: Aileen Cruz to 36260 to Receive this Toolkit

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Ios288 f71a2d1f7c0348e986455690e293e427
Aileen Cruz
Cruz Benefits Consultants

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