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
We are so thankful to have had Julia guiding us through the mortgage process. She walked us through each step with patience and expertise, always keeping us informed and up to date. Her clear communication and dedication made what could have been a stressful experience feel smooth and manageable. We couldn’t have asked for a better partner in this process!
I can’t say enough good things about working with Julia. She managed to get the clear to close a full two weeks before closing — on a transaction that was less than a month from start to finish! As a realtor, there’s no better partner than one who is both highly competent and consistently communicative all the way to the finish line. She took incredible care of our first-time homebuyers, guiding them through each step with professionalism, patience, and genuine care. Truly a top-notch lending partner
Julia couldn't have been more helpful, patient, and on the ball with our house sale and purchase- we needed a very tricky loan product and she made it happen in a way that worked in everyone's favor. We could not recommend Julia and Guild Mortgage highly enough.
Julia just completed a miracle loan for some clients of mine. This was on a $2m+ house purchase that involved many moving pieces and, in my early estimation, did not have much of a chance of getting done. Her work in holding the transaction together was a work of commercial art. She is a non-obnoxious grinder who kept everyone in the transaction pushing forward. Best of all, she does not panic.
Julia is a great resource. She is extremely knowledgeable, and willing to jump on a call any time to help explain things. She was also extremely mindful of the closing date and getting things done as quickly as possible to get us across the finish line.
The process of prequalifying for my home purchase and the final loan was so smooth and easy. I highly recommend Julia - I am so busy with work and everything was so quick and streamlined. Definitely 5 stars!
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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