CEO · NMLS #2036399
Kruiz Cathersides
Kruiz Cathersides, CEO, empowers clients to build wealth through mortgage advice that goes beyond the transaction. He offers diverse solutions, specializing in options for first-time buyers, VA, FHA, and self-employed individuals. Kruiz is dedicated to being a trusted, lifelong lending partner, committed to exceptional service.
Our Team
The people behind
your loan.
A dedicated team of professionals ready to guide you through every step of your mortgage journey.
Sierra Cathersides
Back-End Processor
Your Back-End Processor works behind the scenes to finalize your file for closing. They clear conditions, coordinate with title and insurance, and make sure everything is ready for funding.
Schedule a Meeting
Book a
consultation.
Choose a time that works for you. No pressure, no obligation. Just a real conversation about your goals.
Client Reviews
What clients are saying.
“Applying for and going through the mortgage process can be a daunting and confusing experience even for the most experienced home buyer. Switching to Refine Mortgage as my mortgage company was simply the best move I've made in a very long time. The process that they employ should be the MODEL for all mortgage companies! I particularly liked the once-a-week status updates and requests for any additional documentation. This helped me to manage my expectations knowing what was happening and the progress of my loan. They are outstanding communicators and worked really hard to get me the best rate and truly showed me how much they take care of our nation's veterans. A lot of companies tout "veteran friendly" and fall short of expectations but Refine Mortgage actually exceeded my expectations in showing their appreciation through excellent service. Kruiz, John and Krista are an awesome team that epitomizes the term "mortgage professionals!" Strongly recommend Refine Mortgage for all of your mortgage needs and particularly to my fellow veterans seeking a VA loan for your mortgage needs. Thanks Refine Mortgage! V/r, Keith Farrar”
Keith Farrar
“The absolute best! Kruiz and his team were so professional and communicative. They helped me to find a path forward when another lender wasn't doing their job. Forever grateful for this team!”
Obianuju Parker
“Kruiz is super knowledgeable and supportive!! He has me feeling extremely confident in my journey to home ownership!”
Yellow Rose
“Kruiz and his team were so great to us! From beginning to end he was always easy to talk to and answered any questions we had! He never made us feel a certain way when we didn't know something. He guided us through the whole process and always responded promptly! Would highly recommend and will definitely be using him in the future!”
Morgan McCaskill
“Kruiz is absolutely amazing!! I am starting my first home buying process and I appreciate his exceptional customer service and value in his clients and their goals. He is very knowledgeable!!! Explains every step with clarity. I recommend him to anyone for your home needs. A+”
jasmine stackhouse
“Truly an exceptional team. They go above and beyond and work nonstop to make sure my clients make it to the closing table. Not only my clients but my own personal family as well. Kruiz is very knowledgeable and always able to navigate us through the lending process seamlessly. Always a pleasure working with him and John. Thank you team!!!”
Maritza Ortiz
“I'll start off by saying WOW… the fact that Kruiz and his team has made my wife and I feel so at ease with this whole process. If you are ever stressed out, just reach out to Kruiz. I assure you he will make this whole thing a night and day difference! He will look out for you and never put a dollar sign above you.”
Mark Smith
“My wife and I are currently working with Kruiz to find a home. He is very knowledgeable, considerate, and he puts his clients first before anything else. I have worked at various jobs with different kinds of people and different locations and a lot of the places are more company focused than people focus. It is refreshing to find someone who actually wants to put the person first before the company. I will definitely be recommending Kruiz to all of my family members whoever wants to find a home.”
Jeron Cook-Bennett
“Kruiz and John were patient and supportive in my first-time home buying journey!”
Sagana Sivanesan
Client testimonials reflect individual experiences and may not be representative of all clients. Results may vary.
Online Application
Start your
application.
Ready to get started? Complete your mortgage application securely through our online portal. The process takes about 15-20 minutes.
Let's talk about
your goals.
Whether you're a first-time buyer or looking to build long-term wealth through real estate, Kruiz Cathersides is here to guide you. No pressure, no obligation. Just a real conversation about your goals.