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Julie Bersin

Julie Bersin

Loan Officer

300 N. Water St., Silverton, OR 97381
Own what matters
Own what matters

About Me

Thank you for visiting my website! In today's market, it can be challenging to know what type of loan and down payment option is right for you. My 28 years of experience can help take care of your lending needs with a Conventional, FHA, VA or USDA loan programs.

Give me a call, email or just click on my application link and let me help you through the process!

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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.


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.

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5.0 out of 5.0 stars
Mar 02, 2024

I have to say thanks so much Julie! You’re an outstanding talented gal! You went above and beyond, always kept me informed and updated on every step! Always available whenever I had questions or needed assistance! If anyone is ever in the market I’d go with Julie! 5star!! Thanks for helping my dream come true!
Nov 27, 2023

Julie made sure that the transaction kept on moving even with some bumps along the way.
Tyler G
Nov 25, 2023

Julie is a tremendous talent! Her industry knowledge coupled with her caring and patient nature, made my home buying process feel like a breeze. Highly recommend Julie Bersin if you're looking for a true professional!
Nov 20, 2023

Julie Bersin is absolutely amazing! She is a tremendous talent. Leveraging her extensive knowledge of the industry, coupled with her gentle and kind demeanor, made the entire process feel safe and effortless. She is truly a superstar!
Nov 20, 2023

Julie always gets the job done! It’s no joke! Every client I have ever referred her to LOVE her! She always goes above and beyond. If I could make every buyer use Julie I would because I know they’ll be in good hands. Her response time is quick and when you call her it’s very rare she doesn’t answer and if she doesn’t she calls back immediately. Things like this are important in this industry. There are a lot of garbage mortgage brokers out there and I can tell you Julie is not one of those. I would trust her with my life! Thank you for everything you do!
Nov 13, 2023

Julie is always on top of communicating with both my buyers and I.

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NMLS ID #776184
I am authorized to do business in the state of Oregon. OR ML-176;