Guild Mortgage - Julia Cruz
Senior Loan Officer | NMLS# 632832
DePaul University
As a Senior Loan Officer with Guild Mortgage, I am deeply committed to helping my clients navigate the world of real estate financing. My goal is to ensure you understand all your options and make informed decisions that align with your uni... Show More
Location & Business Hours
Business Hours
Fri
8 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
Julia was fabulous from start to finish, the communication was on point and made everything run as smoothly as possible. Def happy to work with her again! From a Real Estate professionals perspective, she made my life easier throughout the...
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Julia was fabulous from start to finish, the communication was on point and made everything run as smoothly as possible. Def happy to work with her again!
Reply from Guild Mortgage - Julia Cruz
October 19th, 2026 06:43 PM
Such a pleasure working with you as well!!
Julia provided excellent service and communication, as she always does. The clients were very happy. She met expectations and made sure everyone was updated along the way.
Reply from Julia Cruz
October 27th, 2026 01:22 PM
It's wonderful to hear that the clients were happy with the service I provided, Richard. At Guild Mortgage, ensuring clear communication and meeting expectations is always my priority. Thank you for your kind words!
Julia was a pleasure to work with! I was on the seller side of the transaction and she provided the loan for our buyer. She maintained communication throughout the transaction and important milestones. The process was smooth and quick! Thank...
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Julia has made the mortgage process seamless for me. She is incredibly responsive and exhibits exceptional customer service. She balances efficiency with a warm, professional, helpful attitude. I am truly impressed with Julia and the outstanding...
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I've gotten lucky enough to work with Julia now a few times. She's always extremely attentive to what the client needs. She always has a solution if there's a pain point in a transaction. I recommend Julia to everyone I work with.
Reply from Guild Mortgage - Julia Cruz
September 3rd, 2026 08:33 PM
Thank you so much Matt! Always a pleasure working with you!
Wow! Working with Julia is a dream. She's extremely easy to work with, patient with questions, and her experience builds confidence with those who work with her. My clients have been very impressed with her work.
Love Julia!! I wouldn’t even consider going to anyone else—her knowledge, flexibility, patience, and honesty are unmatched. She helped me purchase my first home and even though there were some tricky hurdles in the way, Julia handled them with...
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Sometimes we hold back on questions because we don't want to annoy or don't want to accept that we need that extra explanation to understand something. You feel the support and the motivation every step of the way. All questions answered, if...
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I can’t say enough good things about Julia. She answered every question my wife and I had and made sure we fully understood each step. She’s incredibly knowledgeable and takes the time to explain things without rushing you. Her honesty and...
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About
As a Senior Loan Officer with Guild Mortgage, I am deeply committed to helping my clients navigate the world of real estate financing. My goal is to ensure you understand all your options and make informed decisions that align with your unique needs. From the very first step of the loan process through closing and beyond, I’m here to guide you every step of the way.
It truly brings me joy to be there for my clients, not only during the pre-approval process but throughout escrow and the years that follow. My aim is to be your “lender for life,” offering ongoing support and expertise long after your home purchase is complete. You can count on me to be here for you every step of the journey.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Construction Loan
Bridge Loans
Adjustable Rate Mortgages
Specialities
Bridge
Conventional
Down Payment Assistance
Energy-efficient
FHA
Jumbo
Lock and Shop
Manufactured Homes
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Education
- DePaul UniversityArts, Entertainment,and Media ManagementBachelor of Arts (BA)Sep 1998 -Jun 2002
Memberships
- Pacific Southwest Realtor Association
Time Zone
Pacific Standard Time (PST)
Disclaimer
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; NMLS ID: 632832; Guild Mortgage Company; Equal Housing Opportunity; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.