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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.
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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Aileen Cruz
Cruz Benefits Consultants
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By submitting information above I agree to the privacy policy and to being contacted by text message, phone, or email. Message and data rates may apply.
This app uses cookies and local storage to analyze traffic. Information about your use of this app is shared with CardTapp and Aileen Cruz for that purpose.