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
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
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.
Julia was friendly,courteous and extremely helpful throughout the loan process. We were on a tight schedule and she delivered within our time frame. She and the escrow company stayed in touch almost daily throu phone, text and email.it was...
read more
Reply from Julia Cruz
February 23rd, 2026 04:50 PM
I'm glad to have been able to assist you with your loan process, Timothy, especially under a tight schedule. It's great to hear that communication was effective and that you had a pleasant experience. Thank you for considering recommending...
read more
Very easy to work with and making the customer feel important. Always available to answer questions about my mortgage and other property questions.
My mom had a lot of debt and health issues which made a reverse mortgage the only option for her long term care. When I used Grok to research reverse mortgage, believe me when I say I wanted to throw in the towel from the get-go. After seeking...
read more
We are so happy we chose Julia to be our loan officer for our home purchase. She worked with us for two years until we found the right house! She ran tons of monthly payment scenarios for us and offered us tips and advice that we never would’ve...
read more
Julia is really down to earth and puts her time and effort into helping out her clients. She worked with us over the span of 5 years, reviewing our financials until we were able to achieve our goal. Even after that she has made herself available...
read more
Working with Julia Cruz was an absolutely wonderful experience from start to finish. Her professionalism was truly above and beyond expectations. She is attentive, responsive, and incredibly knowledgeable, which made the entire process smooth...
read more
Reply from Julia Cruz
January 9th, 2026 09:13 PM
I'm grateful for your kind words, Andrea. Providing a smooth and stress-free experience is always my aim, and I'm pleased to hear it resonated with you. I appreciate your recognition of my dedication and attention to detail. It's rewarding...
read more
Julia did an amazing job on the arrangements for our loan! She was friendly and always available to answer our questions throughout the entire process. We would highly recommend her for your future mortgage needs.
Julia and her processor Yvette were great. Very communicative and detailed, as well as personable during out phone conversations
Reply from Guild Mortgage - Julia Cruz
December 20th, 2025 04:41 PM
So happy we could help! Thank you so much!
11–20 of 121
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
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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/.