Cruz Ana Gamboa

Title: Mortgage Loan Originator

NMLS# 334747

Location: El Paso, TX

At Sunflower Bank, we do things differently than other home lenders. We believe that communication is key, so whether you’re a first-time homebuyer, or a seasoned homeowner looking to refinance, we make sure to walk you through every step of the process. We offer a variety of loan options from conventional, to government, to everything in between. Our comprehensive suite of lending options allows us to find you a product that best suits your financial needs.

We value your business, and you are definitely not just a number to us. We show this by servicing your loan from beginning to end – we don’t close a loan and pass off our clients to a third-party. In fact, Sunflower keeps most loans in-house to completion. This person-to-person approach makes an impact.

Ready to get started? Contact me today! Creating possibility for our customers and putting them in their dream homes is what we do.

Family of 4 moving into home carrying boxes

Down Payment Assistance

Did you know there are programs that can help you find funding for your down payment? We are proud to offer a range of national and state-specific Down Payment Assistance programs that can help turn your dreams of homeownership into reality. Click below to see if you are eligible. 
Check Eligibility
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My Mortgage App

My mortgage app makes it easy! Get your digital to-do list, access calculators, send documents securely and much more!

In just a few clicks you'll receive a text message with a custom download link to connect directly with me on the mobile app!
Get My Custom Mobile App Link
Calculator on table with pen and laptop

Calculators

Get help answering the big questions:
What will my monthly payments be? 
Can I save money by refinancing?
Should I keep renting or buy now? 

Visit our calculators for quick reference then contact us for specific guidance!
Check Out Our Calculators!

Finance Your Dream Home

Homebuying isn’t a one-mortgage-fits-all experience. That’s why Sunflower Bank offers a variety of home loan options to fit your goals and financial needs. Whether you’re looking to buy, build, or refinance, our expert loan originators will guide you through possible options to find the right solution for your homebuying needs.
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What My Customers Say

4.9 Star Rating
She was great and made herself very available to us, especially when it came to any questions we had. We did our initial home loan and our refinance with her and she made the process very quick and easy.

Nestor G

TX

May 01, 2026

5 Star Rating
A super experienced and professional person, positive attitude and very helpful Thank you

Victor S

TX

Apr 22, 2026

5 Star Rating
Excelente en todo el proceso muchas gracias

Miguel F

TX

Apr 12, 2026

5 Star Rating
A very pure professional that is hard to come by these days. Ana consistently updated me through process and provided a smooth transition for me considering any challenges. Kind courteous and most of all understanding of buyer stress.

Blas H

TX

Mar 31, 2026

5 Star Rating
She was incredibly helpful every step of the way. Thanks to her support, our refinancing process went very smoothly.

Claudia B

TX

Jan 28, 2026

5 Star Rating
Cruz Ana was wonderful to work with, professional, knowledgeable, and always responsive. She explained everything clearly, making the loan process smooth and stress-free. I truly appreciate her dedication and highly recommend her to anyone needing a reliable loan officer.

Edmundo P

TX

Dec 14, 2025

5 Star Rating
My experience with Sunflower Bank and Ms Cruz Ana was excellent I'd recommend this establishment to anyone looking to purchase a home. Thank you for such a delightful experience and quick service. We will definitely recommend to all our family and friends. Cruz Ana was very helpful and very knowledgeable with all the questions we asked. Again Thank You for all the help we really appreciate the friendly service provided.

Guillermo R

TX

Dec 03, 2025

5 Star Rating
Very responsive and helpful.

Cristal C

NM

Nov 08, 2025

5 Star Rating
Cruz Ana is a very professional, knowledgeable and kind person.

Jose B

TX

Oct 02, 2025

5 Star Rating
Cruz Ana was very professional and communicated well all the necessary steps to getting the loans. We were very pleased with how simple she made the process for us!

Lisa J

NM

Aug 25, 2025