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
We were pretty nervous buying our first home and taking on that debt. But Julia made us feel very at ease and got us a great rate and was even licensed to qualify us for the MCC tax credit, saving us a lot of money. A huge relief. This was...
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Working with Julia has been such a positive experience. She is not only extremely knowledgeable and professional, but also genuinely kind and caring. She always puts her clients’ best interests first. What truly sets her apart is the way she...
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Working with Julia is always a five-star experience. She provides top-notch customer service and is deeply committed to helping her clients every step of the way. Julia’s extensive knowledge of a wide variety of loan products makes her an incredible...
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Julia is the best! She is truly committed to ensuring the whole process is a great experience. Thank you, Julia! Choosing you to guide us through this journey was the best thing we could have done! I highly recommend her! As a first time home...
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Julia was amazing throughout the whole expierence. She ensured that all of our questions and concerns were answered timely . She is the biggest reason why we purchased our home. Thank you guild mortgage but more importantly thank you, Julia!...
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Reply from Guild Mortgage - Julia Cruz
September 28th, 2025 08:13 PM
It's wonderful to know that you felt supported throughout the process. Ensuring that your questions and concerns were addressed promptly is something I prioritize. I appreciate your gratitude, and I'm truly glad to have played a part in your...
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Julia is an outstanding loan officer who provided exceptional guidance throughout our home-buying journey. She demonstrated a high level of professionalism, responsiveness, and expertise, addressing all of our questions promptly and thoroughly....
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Julia was an exceptional loan officer who guided my fiancé and I through every step of the home-buying process with thoroughness and care. She was always readily available, promptly answering our calls and messages whenever we had questions....
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Reply from Guild Mortgage - Julia Cruz
September 28th, 2025 02:20 PM
I'm glad to hear that you found the home-buying process smooth with my guidance, Ian. Being readily available to address your questions and understanding your budget are priorities I hold dear. Thank you for your kind recommendation, and I'm...
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Julia, did a fantastic job as the buyers loan officer on one of my listings. She's very knowledgeable and was on top of everything. Gave me updates on every stage of the process. Thanks Julia! Excellent Job!!
Julia is a fantastic mortgage professional. She’s extremely diligent and made the process extremely easy. Thank you, Julia.
As first time buyers, my wife and I were completely unfamiliar with the mortgage process and honestly pretty overwhelmed at the start. From our very first meeting, Julia Cruz made everything clear and approachable. She explained every step...
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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/.