Your Path to Homeownership Starts Here
Discover the best loan products and programs tailored just for you
Julia Cruz
Senior Loan Officer
NMLS# 632832
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
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.
Read Blog
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
For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.
X
X
Testimonials
We were pretty nervous buying our first home and taking on that debt. But Julia made us feel very at ease and got us a great rate and was even licensed to qualify us for the MCC tax credit, saving us a lot of money. A huge relief. This was already 13 years ago. We stayed in contact and years later she was able to help us refinance to a much lower rate and even better terms with Guild! We couldn't be happier with her professionalism, knowledge and her kindness.
Working with Julia has been such a positive experience. She is not only extremely knowledgeable and professional, but also genuinely kind and caring. She always puts her clients’ best interests first. What truly sets her apart is the way she treats you like a friend, not just a client. She even goes the extra mile by hosting activities outside of business to show her appreciation. I would highly recommend her to anyone looking for somebody who truly cares.
Working with Julia is always a five-star experience. She provides top-notch customer service and is deeply committed to helping her clients every step of the way. Julia’s extensive knowledge of a wide variety of loan products makes her an incredible resource. She takes the time to clearly explain all options and guides you through the process with patience and expertise. If you’re looking for someone who is both professional and genuinely focused on your needs, Julia is the loan originator you can trust
Julia is the best! She is truly committed to ensuring the whole process is a great experience. Thank you, Julia! Choosing you to guide us through this journey was the best thing we could have done! I highly recommend her! As a first time home buyer she ensured that we were taken care of and was with us through every single step!
Julia was amazing throughout the whole expierence. She ensured that all of our questions and concerns were answered timely . She is the biggest reason why we purchased our home. Thank you guild mortgage but more importantly thank you, Julia!
Julia is an outstanding loan officer who provided exceptional guidance throughout our home-buying journey. She demonstrated a high level of professionalism, responsiveness, and expertise, addressing all of our questions promptly and thoroughly. Julia worked diligently within our budget and went above and beyond to ensure we had access to the best options that aligned with our needs. Her commitment and dedication made the entire process seamless and stress-free. I would confidently recommend Julia to both first-time and experienced homebuyers seeking a knowledgeable and reliable loan officer.
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; 
Before you go
You're about to leave guildmortgage.com and enter an external website.
Please note that Guild Mortgage isn't responsible for the products, content, accuracy, or security provided on a third-party website.
Thank you for visiting us!