Your Path to Homeownership Starts Here
Discover the best loan products and programs tailored just for you
Julia Cruz
Senior Loan Officer
NMLS# 632832
About me
Hello! I'm Julia Cruz, a Senior Loan Officer based in beautiful San Diego, California. With nearly two decades of experience in the mortgage industry and over 13 years with Guild Mortgage, I have had the privilege of helping countless clients achieve their dream of homeownership.
As a dedicated mom of two wonderful girls, I understand the importance of finding the perfect home for your family. When I'm not assisting clients, you can find me horseback riding or spending quality time with my family and friends.
I specialize in working with first-time homebuyers and move-up buyers, and I am passionate about educating my clients through every step of the process.
My commitment is to be your trusted lender for life, ensuring you feel confident and informed every step of the way.
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Let’s find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
Conventional
A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance
If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
Jumbo
Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
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Testimonials
As a first-time homebuyer, I had no clue what I was doing, but Julia Cruz made the entire process smooth and almost stress-free. She was incredibly helpful, and knowledgeable every step of the way. Julia went above and beyond—often working outside of regular office hours—to make sure everything was submitted quickly and correctly. She was always on top of things, keeping me informed of everything throughout the entire process. I’m truly grateful for all her hard work and dedication. I couldn’t have asked for a better loan officer. Thank you, Julia!
I love the communication, transparency and how fast was the whole process was. Julia Cruz went above and beyond to meet my expectations. She definitely deserves a 5 star 🌟🌟🌟🌟🌟 review, It was a great experience. Thank you.
I have refinanced with Julia twice in the last 10 years. She is the absolute best. She found me a loan when I thought there wasn’t going to be any chance of it happening. She persevered! She’s also a very nice person.
Julia was available to answer questions whenever we needed an answer including on weekends. We appreciated Julia’s patience working with us as we looked for our first home. We stoped and started our home search multiple times and Julia kept working with us to help answer questions with mortgage payments for every house we were interest in as well as what our interest rate would be. In the end it was a great experience working with Julia and we are thankful for her for always being there when we needed to know what our payment was going to possibly be for every house we liked. There were a lot. Thank you Julia!
Julia was amazing to work with. Her level of detail, accuracy and dedication are second to none. Could not be more pleased with the service we received during our loan processing through closing. Can’t recommend Julia highly enough.
As first-time homebuyers, we couldn’t have asked for a better loan officer! Julia made the entire process smooth and stress-free. She helped us get a great rate and always took the time to explain everything clearly. We also really appreciated how well she worked with our realtor, keeping him informed and ensuring everything stayed on track.
NMLS ID #632832
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; 
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