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 are so thankful to have had Julia guiding us through the mortgage process. She walked us through each step with patience and expertise, always keeping us informed and up to date. Her clear communication and dedication made what could have...
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I can’t say enough good things about working with Julia. She managed to get the clear to close a full two weeks before closing — on a transaction that was less than a month from start to finish! As a realtor, there’s no better partner than...
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Julia couldn't have been more helpful, patient, and on the ball with our house sale and purchase- we needed a very tricky loan product and she made it happen in a way that worked in everyone's favor. We could not recommend Julia and Guild Mortgage...
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Julia just completed a miracle loan for some clients of mine. This was on a $2m+ house purchase that involved many moving pieces and, in my early estimation, did not have much of a chance of getting done. Her work in holding the transaction...
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Julia is a great resource. She is extremely knowledgeable, and willing to jump on a call any time to help explain things. She was also extremely mindful of the closing date and getting things done as quickly as possible to get us across the...
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The process of prequalifying for my home purchase and the final loan was so smooth and easy. I highly recommend Julia - I am so busy with work and everything was so quick and streamlined. Definitely 5 stars!
Julia Cruz has been an amazing part of my home buying journey since 2011.She is extremely knowledgeable and has her customers best interests at heart. She’s honest and forth coming and will never steer you wrong.Julia also makes time to connect...
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As a REALTOR®, I’m always confident referring my clients to Julia Cruz at Guild Mortgage. She’s thorough, friendly, and incredibly patient—qualities that make a huge difference during the home loan process. My clients consistently have a great...
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Reply from Guild Mortgage - Julia Cruz
July 15th, 2025 06:38 PM
Thank you, Christine! Pleasure working with you again!
Julia was great to work with! Her timely communication was much appreciated and I will be sure to refer her to potential buyers.
Reply from Julia Cruz
July 25th, 2025 01:16 AM
I'm delighted to hear that you had a positive experience working with me, Harriet. I'm glad my timely communication met your expectations. Thank you for considering referring me to potential buyers; it's much appreciated.
I recently worked with Julia on a transaction where I represented the seller. I was impressed with her communication skills and knowledge. She would check in with me weekly to give me updates. I would strongly recommend her for your lending...
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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/.