My name is Carol Cruz. My skills and areas of expertise include first-time buyers and handling complicated loans. My professional title is Mortgage Consultant at Wells Fargo, which specializes in residential mortgages. I am currently involved with The Board of Realtors and Women in Business. My hobbies and interests include spending time with my family and granddaughter, going to movies and hiking. I am drawn to and passionate about charitable organizations such as the 4th Street Clinic.