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
Really great service a d a pleasure to work with.
Julia was spot on and took the time to update me weekly I was representing the seller Very communicative which i I appreciated she even gave me a heads up that the loan contingency may need a couple extra days early on
Julia is super friendly and helpful with getting a mortgage especially since this was my first time purchasing a place on my own. She is super responsive! Answered all of my questions before and after, if she doesn’t have the answer she finds out for me. I would recommend going with her!
Julia helped with buying my first home in 2022. As a first-time home buyer I had no idea where to begin. Julia was incredibly helpful walking through every detail and making sure I understood. I really appreciated her patience and excellent communication. I truly felt taken care of during the whole process, and highly recommend her. Thanks Julia!
We had the pleasure of working with Julia for our home loan, and I cannot recommend her highly enough. From start to finish, the process was incredibly smooth and stress-free, largely thanks to Julia's expertise and dedication. She took the time to thoroughly explain every step of the mortgage process, patiently answering all of our questions, no matter how small. We particularly appreciated her ability to break down complex financial jargon into easily understandable terms, which made me feel confident and informed throughout. Julia went above and beyond to find the best loan options that fit my financial situation, demonstrating a genuine commitment to my success. The level of personalized service was truly outstanding. If you're looking for a knowledgeable, transparent, and incredibly helpful home loan officer, look no further than Julia. She truly made a significant difference in my home-buying journey.
Julia Cruz assisted us with a mortgage loan in 2019. Julia provides excellent client service. She guided us through each step of the loan processes and followed up with us after the close to answer any questions. Julia kept in touch over the years and has provided us with advice, even after our mortgage was transferred to another company. Julia has also assisted us with refinancing our mortgage. 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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