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
Julia Cruz has been an amazing part of my home buying journey since 2011. She is extremely knowledgeable and has her customers best interests at heart. She’s honest and forth coming and will never steer you wrong. Julia also makes time to connect with her customers and check in on them from time to time. She will make you feel like you are more than just a customer. It has been a pleasure knowing her all these years, and I look forward to many more.
As a REALTOR®, I’m always confident referring my clients to Julia Cruz at Guild Mortgage. She’s thorough, friendly, and incredibly patient—qualities that make a huge difference during the home loan process. My clients consistently have a great experience with her!
Julia was great to work with! Her timely communication was much appreciated and I will be sure to refer her to potential buyers.
I recently worked with Julia on a transaction where I represented the seller. I was impressed with her communication skills and knowledge. She would check in with me weekly to give me updates. I would strongly recommend her for your lending needs.
As a Realtor, I am always on the lookout for a lender who gives their best to my clients. Julia is that lender. Buyers, especially first time buyers, can get stressed out dealing with the whole financing process. Julia’s perfect for keeping it as smooth and stress-free as possible. I appreciate the energy she puts into keeping all parties informed, and her knowledge is top notch. She gets my highest recommendation, and I can’t wait to work with her again.
Really great service a d a pleasure to work with.
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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