Julia Cruz
Senior Loan Officer
Building trust, one borrower at a time.
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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.
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
Jumbo loans
Down payment assistance
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
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Testimonials
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;