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
Julia is fantastic to work with—super communicative, easy to talk to, and very thorough. Her follow-up is excellent, and she truly cares about her clients and partners. I would recommend her to anyone looking for a great lender in San Diego...
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Julia made it possible for us to buy a home when we thought It wasn't. We left a previous loan officer because they failed to be clear with us causing us to almot back out of an offer. When Julia started working with us we found she was exactly...
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Reply from Julia Cruz
November 24th, 2025 01:59 PM
I’m pleased to hear that I could assist in making your home purchase possible, especially after your previous challenges. Ensuring clarity and providing guidance throughout the process is important to me, and I'm glad that aligned with your...
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Julia does a fantastic job all around with communication, explaining how things work, and generally keeps things moving. She recently sent a video about how the tax bill works and answered all my questions. Thanks!
Reply from Owner
October 30th, 2025 05:55 PM
Thank you! I am always here to help.
My wife and I were first time home buyers, and fortunately Julia completely demystified the process for us. She took the time to educate us and ensure we were setup for success. Julia is extremely responsive and consistently kept us updated...
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My friend and realtor recommended Julia and I am so grateful that she did! I connected with Julia last year, well before I thought I was ready to purchase a home, and she helped me create a plan to get there. Fast forward less than one year...
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Met Julia through a mutual friend who is seasoned in the real estate business.The recommendation was spot on.She is kind, professional, and knowledgeable about mortgages products.I highly suggest you call her and the great staff at Guild Mortgage...
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Julia has been our lender for our last two home purchases. She helped us every step of the way, very knowledgeable, and is always available for questions. Highly recommended!
With over 20 years experience in Real Estate one can only imagine how many Lender introductions I have had! There have been too many to count or remember. But this is where Julia CRUZ is different! She is memorable on all accounts! Both on...
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Love Julia! She’s a great communicator, very personable and makes the process easy!
Julia is knowledgeable and responsive. She is always willing to answer questions and made the refinancing process easy.
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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/.