Julie Smith
Senior Loan Officer
NMLS ID #1201785
Pensacola, FL
Find the loan to fit your life
You have choices when it comes to home financing
About me
Awards
Causes and Memberships
Testimonials
Dec 3, 2025 |
Pensacola, FL
Nov 25, 2025 |
Navarre, FL
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Get in touch to discuss your home financing goals and explore next steps together.
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Office Hours
Monday - Friday
Saturday
Sunday
8:00AM - 5:00PM
CLOSED
CLOSED
Monday - Friday
8:00AM - 5:00PM
Saturday
CLOSED
Sunday
CLOSED
NMLS ID #1201785
I am authorized to do business in the states of Alabama and Florida.
Find the loan that works for you
See what we offer
Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.
See all loan programsTools to help guide you
Know before you borrow
Helpful resources
What are draw and repayment periods for HELOCs* and HELOANs?
Nearly 30% of homeowners are considering tapping into their home equity, a notable increase compared to a few years ago.
Read more
When should I use my home equity?
Your home has probably done a lot for you over the years. It’s where you’ve made memories, celebrated milestones, and planted roots.
Read more
Is a 2-1 buydown worth it? Pros and cons explained
A 2-1 buydown, also known as a 2-year temporary buydown, provides breathing room for aspiring homeowners to get started on building equity.
Read more
home equity insights
Get smart about your home's value
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