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 have referred Julia to all our clients throughout the years and we continue to do so because she exemplifies all the most important attributes of an exceptional loan professional. She's caring, she's knowledgeable and knows her trade like the back of her hand, communicative, prompt, efficient, and her company can compete with the best in terms of rate and performance of the loan. Quite simply, she's one of the best and buyers would be lucky to have her in their corner!
Julia was on top of every part of the process. Truly cares and would love to work with her again
Julia was on top of every part of the process. Truly cares and would love to work with her again
Julia was absolutely amazing to work with! Not only did she take GREAT care of my first time home buyer clients, she kept everyone informed throughout the entire process and handled the hiccups that came along with grace, professionalism and a positive, can-do attitude! I highly recommend Julia and look forward to working with her on many more deals in the future!
Lot's of comunication thruout the transaction
I recently referred Julia Cruz at Guild Mortgage to my clients, and the experience was outstanding. Her communication was exceptional—always prompt, clear, and responsive to both my questions and those of the buyers. Julia’s extensive knowledge and patience in explaining loan options ensured buyers fully understood their choices, significantly reducing their stress. Her dedication and professionalism were truly remarkable. I highly recommend Julia’s services!
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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