From first-time buyers to seasoned investors, we simplify the home loan process with flexible options, expert advice, and personalized service.
With over 20 years of experience in banking and finance and a mortgage career established since 2016, Julia Zhguleva has built a reputation for delivering strategic financing solutions tailored to luxury homebuyers, real estate investors, self-employed borrowers, and international clients. Specializing in home financing, investment properties, DSCR loans, jumbo mortgages, and multifamily transactions, Julia provides a highly personalized lending experience focused on transparency, efficiency, and results. Known for successfully navigating complex financing scenarios, Julia works closely with each client to structure mortgage solutions aligned with their financial goals and long-term investment strategies. From luxury waterfront residences and second homes to large investment portfolios and strategic refinancing, she delivers concierge-level service and expert guidance throughout every stage of the process. With more than $350 million in closed loan volume, Julia is trusted for her professionalism, responsiveness, and ability to close deals others often cannot. Ready to Get Started? Connect with us today to explore customized financing solutions designed for your next purchase, refinance, or investment opportunity.
Find the right loan with ease—get pre-approved fast, compare rates, and explore refinancing options that work for you.
Let our experienced team of Mortgage Advisors guide you through the buying or refinancing process quickly, efficiently, and confidently.
Lock in a competitive rate and make your dream home affordable.
Cut monthly payments, reduce interest, and keep more cash in your pocket.
Shop smarter and pick the loan terms that fit you best.
Close quickly and never miss out on the home you love.
Get an up-to-date property evaluation for smarter decisions.
Tap into your equity for renovations, debt payoff, or new opportunities.
Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with Mortgage By Julia, for your home loan or refinance, you can get your money and do what you want with it – usually in less than 30 days
Pick the Right Home Purchase Loan for You
Accomplish Your Strategic Refinance
Shop Around for the Best Rate
Choosing the right lender makes all the difference. Here’s why borrowers trust us. We provide personalized solutions, transparent guidance, and a smooth experience every step of the way.
We shop multiple options to get you the lowest possible rate.
Our streamlined process helps you close quickly, often in 30 days.
Transparent terms with zero surprises.
Backed by client testimonials and proven results.
Mortgage rates change every day, and your rate will vary based on your location,finances, and other factors. Get your FREE customized rate comparison below:
