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Juliann Laufer

Juliann Laufer

Loan Officer

1000 Town Center Dr., Suite 520, Oxnard, CA 93036
Own what matters

About Me

Juliann is a California licensed Mortgage Loan Specialist who has loved every moment of her 25 year career helping her community and partner realtors reach their homeownership goals. Juliann's expertise is her consistent and committed communication and customer service. Her focus on keeping her clients and realtor partners informed and educated throughout the process of the transaction has allowed her to excel at what she does. Working with all types of clients, she enjoys the variety of every situation and guiding it to a successful and happy outcome.

In her 25 year career Juliann has experience and knowledge in every aspect of the lending industry. Starting as an administrative assistant, to processing/funding then to underwriting/secondary markets. As Juliann works with her clients and partners her experience sets her apart from the rest. Having the opportunity to help families and individuals in different markets has prepared her for all to come her way. Living in Portland, Oregon to Dallas, Texas and Anchorage, AK and their variations in real estate market has well equipped her for the best and worst of the real estate world.

Juliann's love for the outdoors has kept her busy with her family and grandchildren. With hobbies including hiking, outdoor sporting and marathon running. Living in Channel Island Harbor has made her home a retreat to enjoy. Her ultimate love however, is the many wonderful memories and travels with her husband and best friend.

Juliann's goal is to keep the wonderful homeownership dream alive in all her clients, realtor partners and colleagues. With the abundant knowledge she has acquired over her career she is well prepared to make her goal a reality. Helping her clients become Happy Homeowners and their Lender for Life.

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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.



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

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 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.

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5.0 out of 5.0 stars
Aug 13, 2021

Thank you Juliann Thank you GuildMortgage!
Dec 29, 2020

Great Help. 2nd loan with Juliann
Oct 19, 2020

Top notch Mortgage officer ! Thank you for guiding us through this major home buying decision . Your commitment to customer service is your # 1 priority
Jul 26, 2020

She was the best. Went above and beyond expectations.. Great personality was always there for you even on weekend.. I could not have asked for anyone better than her.. Thank you
Apr 03, 2020

Juliann was so patient with me and available any time I had questions or concerns about the process. I feel lucky to have found her. I had been thinking of refinancing my home mortgage for some time. After meeting with Juliann it just felt like the right time and she made it so easy. Seriously Juliann is one of the nicest ladies I have ever known and I will recommend her to anyone I know looking for a mortgage.
Nov 21, 2019

We have done business with Juliann two times - first to buy a new mortgage, and second time to refinance. Just the fact we reverted to her for refi, attests to our 5-star satisfaction based on an outstanding customer service she provided. From pre-qualification to ordering an appraisal, from going over the loan terms to closing, she was there at every step of our home purchase, and later refinance journey. Throughout the process, Juliann was extremely patient with our multiple questions, and available to speak over phone, emails, phone texts, etc. And we did use all these communication channels with her. She even would make weekly videos with status updates, next steps, and how excited she is about working with us. She always found reasonable solutions to our challenging questions and shopped through different programs that would fit our specific needs. Apart from being a resourceful and an excellent loan officer, she is very personable. Discussing our personal events and and kids came very natural. She even remembered names of our kids when we reconnected after over a year. Our family feels very comfortable discussing our mortgage needs with Juliann, and I highly recommend her to all buyers - from new home-owners to seasoned home buyers. Thank you, Juliann!

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Causes I'm
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NMLS ID #794136
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;