Julia Cruz

As first time buyers, my wife and I were completely unfamiliar with the mortgage process and honestly pretty overwhelmed at the start. From our very first meeting, Julia Cruz made everything clear and approachable. She explained every step in a way we could understand, answered all of our questions with patience, and gave us several options so we could choose what worked best for our situation. Julia and her team at Guild Mortgage were incredibly organized and kept us updated throughout the process. The way she worked with our realtor made the entire experience so much smoother and far less stressful than we expected. Julia truly cares about her clients. She is knowledgeable, approachable, and dedicated to making sure you feel confident in your decisions. Thanks to her, what started as a daunting process turned into an exciting and positive experience. We couldn’t be happier and highly recommend Julia to anyone looking for a trusted loan officer!

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.