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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
Mon
8 AM to 5 PM
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
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Reviews from Web
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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I was pleasantly surprised at how much Julia was willing to work for us. She took the time to answer all of our questions and look at all options and see what is the best option for us. Thank you!
Very easy to work with. Have always used Julie for my home mortgage needs.
Reply from Julia Cruz
February 25th, 2026 07:40 PM
Jeffrey, I appreciate your continued trust in me for your home mortgage needs. It's rewarding to know that working together has been easy for you. If you ever have more questions or need assistance in the future, I'm always here to help.
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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/.