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Select from hundreds of loan products tailored to your needs

Julie Zlotopolski

Julie Zlotopolski

Loan Officer

17280 N Outer 40 Rd, Suite 101, Chesterfield, MO 63005
Phone:
(314) 497-2165 ext. 55375
Own what matters
Own what matters

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

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

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.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
Dylan
Jun 10, 2024
Verified

Julie went above and beyond looking for the best options for us and explained everything to us that we didn’t understand very well and was very knowledgeable. She was also quick to respond with new information or questions we had. I would definitely recommend Julie and guild mortgage to friends and family.
Alayna
Jun 10, 2024
Verified

Julie made our first house buying process so simple and easy. She answered all our questions and explained everything very thoroughly.
Nicole
Jun 04, 2024
Verified

Julie was incredible to work with. She was so knowledgeable, flexible, and responsive. We weren't sure if we were going to build or buy, and she was quick to prepare us (or remind us) on what to expect when we inevitably switched back and forth. When we finally found the home we loved, she was so excited for us and shared things she loved about the area that we could check out! She was truly a blessing to have during the whole process!!
Macie
Jun 07, 2024
Verified

Julie was a joy to work with! She works hard, is a great communicator, and makes sure everyone in the transaction is up to date and on the same page! Looking forward to working together in future transactions!
Nicole
Jun 07, 2024
Verified

Working with Julie was a breeze! She is amazing and truly made the whole process smooth and digestible. I would highly recommend her. You don't realize how much a great loan officer impacts your experience until you have one!
Maurren
Jun 07, 2024
Verified

JZ is wonderful to work with! She keeps you and our clients well informed with where we are all at in the loan process. She checks in often and gets it done right! She is great at her job and you can tell she loves what she does.

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Causes I'm
passionate about

NMLS ID #1638697
I am authorized to do business in the state of Missouri.