Some things never go out of style! Personal relationships are one of those, despite the constantly developing mortgage industry. Kelly Cruz understands this and in today’s market digest, the Regional VP at A&D Mortgage shares her insights of what fuels the business in 2025. She explains what traits are crucial to lasting success such as an individual approach, good leadership, and shared values.
Relationship Business
The amount of loan products and technology is growing, but relationships remain at the base of every closed deal. To our partners, the account executive is more like an advisor powered by years of experience in the industry, product and compliance knowledge, and operational efforts – not just a salesperson.
“Achieving homeownership is very fulfilling. For us, it is extremely exhilarating to be able to provide this vehicle to make that happen for a borrower.”
Learning Something New Every Day
While working with your partners for decades, you become like a family. These meaningful relationships are key to long-term success, as they create opportunities to learn new things and grow together.
“There has not been a day that has gone by that I haven’t learned something new. Our customers are obviously the driving force behind that.”
AI and Technology in Action
AI is reshaping the loan process. First, it was implemented into the preparation work, and now AI is an integral part of customer service – and it is continuously evolving.
“With the evolution of AI and other technologies, how you originate a loan today will be different tomorrow. We are very lucky here at A&D as we are on the leading edge of implementing AI: we use it in many areas.”
Regional Market Insights
Markets and communities vary a lot across the country: doing a loan in Texas is completely different from doing a loan in New York. Therefore, regional markets need local insights.
“Our customers are integrated into local communities, and they understand what a community needs from a lending perspective.”
Leadership in 2025
At A&D Mortgage, leadership is different from an innovative standpoint. We implement cutting-edge technologies, integrate strong teams – all to do the right thing the first time around.
“To anyone in the mortgage industry, I would advise them to become a sponge: learn as much as you possibly can. Be open to the technology that’s coming, or you will be left behind. Be sure you listen, and you execute.”
Conclusion
A vital part of our industry is the attainability of being able to get financing. Thanks to lots of available programs, people, especially first-time homebuyers, can build wealth.
A&D Mortgage is proud to support people on the journey to their real estate goals. Explore the wide range of mortgage programs we offer and subscribe to our LinkedIn and YouTube channels, so you don’t miss the latest news.
