She offers an array of loan products to include: Fixed and Adjustable rates, on Conventional Conforming, High Balance, Jumbo, Super Jumbo, Government loans (FHA, USDA and VA) and First time homebuyer down payment assistance programs. Specialty refinances are available for some homeowners who are upside down on equity to value (HARP 2.0).
She works closely with first-time home buyers, navigating them through the sometimes daunting maze of finding the right loan product to meet their individual needs. This results in a smooth transaction that is stress free, with comfortable monthly payments and the joy and satisfaction of homeownership. Time and time again clients rave about how easy the home-buying process was with Julia by their side. For client reviews, check out the testimonial section!Many Investors go to Julia for her expertise in financing to buy second homes, vacation homes or rentals or to refinance into reduced rate loans. She works with the utmost care and consideration of her client’s individual needs and privacy and provides excellent customer service.
She is a Professional Member of the California Association of Mortgage Professionals, National Association of Mortgage Bankers, California Association of Realtors, National Association of Realtors, Southwest Riverside County Association of Realtors, Southwest Riverside County Multiple Listing Service and the San Diego County Multiple Listing Service. She holds a sales license through California Bureau of Real Estate and is a registered loan officer with NMLS (Nationwide Mortgage Licensing System).
Raised in Marin County, California, Julia later moved to San Diego, California for college where she completed both her Bachelor & Master degrees at SDSU. Julia is fluently bilingual (English/Spanish). She has lived in Temecula for the last 16 years and resides on a small ranch property with her husband and two fun loving Retrievers. In her time off, she enjoys traveling, gardening, swimming, wine tasting and spending quality time with friends and family.
BRE License: 01700282NMLS
Your unconditional guidance, support and care is greatly appreciated. Thank you for everything, I look forward to closing this with you!
We are so thankful for all you did to get our short sale through. We appreciate your perseverance - it wouldn't have happened without you.
Dan & Doris Perkins
Julia, I just wanted to say thank you again for the time, effort, and caring you have shown me. You are a genuine person in a tough business and it means more than you could know.
You are amazing! Thank you so much for everything you did to make our first home buying process successful. We really appreciate you & your team.