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Julia Cruz

Julia Cruz

Senior Loan Officer

5887 Copley Dr., #400, San Diego, CA 92111
Own what matters
Own what matters

About Me

As a Guild Mortgage Loan Officer, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs. My "Find a Loan" section of this website can be used to find information and resources on our home loan options. I look forward to serving your home financing needs for many years. My goal is to be your "lender for life".

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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.

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5.0 out of 5.0 stars
Apr 12, 2023

Julia is an expert in her field and an incredible resource for anyone looking to buy a home! My fiancé and I were first time home buyers and she patiently held our hand throughout the entire process, providing us with valuable knowledge and insight along the way. What thoroughly impressed us was her positive attitude and willingness to help!
Apr 13, 2023

Julia is great! She was always available to answer all my many questions and took the time to explain things I did not understand while going through the mortgage process. She continues to be available. I appreciate her patience, knowledge and willingness to help.
Apr 05, 2023

We recently worked with Julia to purchase our first home, and we couldn't be more impressed with her outstanding service. From start to finish, Julia provided exceptional guidance and support throughout the mortgage process, making it effortless and stress-free. She offered the best loan options according to our needs and budget. Her customer service was exceptional. She was always available to answer any questions and provide guidance and recommendations. She even took the time to come and visit our new home. I highly recommend Julia to anyone looking for a trustworthy and efficient mortgage lender, especially for first-time home buyers like myself. Thanks again, Julia, for going above and beyond to make our dream a reality. -Zinthia & Chris
Jun 12, 2022

Julia is wonderful to work with. As a first time home buyer I really appreciated her proactiveness with walking me through the process and explaining things I didn't know. Julia always responded in a timely manner and is courteous and professional.
Jan 19, 2022

This was my third refinance with Julia and Guild. Julia is very patient and knowledgeable. She was able to find a loan that met my needs and that was not an easy task! She promptly returned phone calls emails and texts. I would highly recommend Julia for all of your home finance needs.
Jul 30, 2021

Truly amazing! She is very detail oriented kindly guided us through every step. Went the extra mile to provide personalized service and was always so patient with us and our questions. Having had a previous experience with another lender that wasn't so pleasant Julia was such a complete 180 degree difference. Kind patient knowledgeable. Can't recommended her enough!

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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;