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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
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
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Reviews from Web
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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Julia was so kind, informative, walked us through processes we didn't understand, and was very quick to respond to questions and requests, regardless of the time of day. She is a great asset to have in your corner when shopping for a home.
Reply from Owner
May 11th, 2026 11:16 PM
Thank you so much for your kind words. Such a pleasure helping you!
Julia was so kind, informative, walked us through processes we didn't understand, and was very quick to respond to questions and requests, regardless of the day. She is a great asset to have in your corner when shopping for a home.
Reply from Julia Cruz
May 4th, 2026 12:59 PM
Ian, I'm glad I could assist you with your home shopping journey. It's important to me that you felt supported and informed throughout the process. Thank you for your kind words and trust in my services.
When we started looking for a home we reached out to a few lenders to shop around, and Julia stood out right away. She was quick to set up a meeting and took the time to walk us through everything, which made us feel like a priority from the...
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Julia was so responsive Answered all questions Very special to me as this was my daughters loan
Julia is very knowledgeable, informative and communicative. She takes time and care to ensue that her clients are well informed. Julia walked through each of my questions in depth without making me feel rushed. She is appropriately responsive...
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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/.