Serving luxury homebuyers, real estate investors, and international clients across South Florida for over 20 years. Personalized service. Competitive rates. Fast closings.
What We Do
From entry-level to luxury, we match first-time buyers and move-up buyers with the right program and rate for their situation.
Learn moreHigh-value transactions require a specialist. We close jumbo loans above conventional limits with rates that reflect your full financial profile.
Learn moreRental properties, multi-family units, and portfolio lending — we work with investors at every stage, including DSCR loan programs.
Learn moreNo US credit history required. We regularly close loans for international buyers purchasing property in Florida — efficiently and correctly.
Learn moreWhether you're reducing your rate, pulling equity, or shortening your term — we run the numbers and find the refinance that actually makes sense.
Learn moreCustom structures for commercial acquisitions, mixed-use properties, and business real estate across South Florida.
Learn moreLoan Products
From government-backed FHA and VA programs to jumbo products and foreign national financing — we offer the full range so you never have to go elsewhere.
View All OptionsStable monthly payments over the full loan term. The most widely used mortgage program in the US.
DetailsBuild equity faster, pay significantly less interest overall, and own your home outright in half the time.
DetailsLower starting rate for buyers who plan to sell or refinance within a defined window.
DetailsGovernment-insured with lower down payment requirements, designed for first-time and qualifying buyers.
DetailsZero down payment for eligible veterans and active-duty service members. One of the strongest benefits available.
DetailsFinancing above conventional limits for high-value properties — priced competitively based on your full picture.
DetailsNo US credit history, no SSN required. Tailored programs for international buyers purchasing Florida real estate.
DetailsZero down payment for eligible rural and suburban properties — a strong option that many buyers overlook.
Details
Your Mortgage Expert
Mortgage Broker · NMLS #2105077
Julia Zhguleva has been in banking and finance for over two decades, with a mortgage career focused on South Florida since 2016. She works directly with each client — no hand-offs, no call centers — handling everything from initial pre-approval through closing day.
Her client base includes luxury homebuyers, real estate investors, self-employed professionals, and international buyers who need a lender with the experience to get the deal done.
Pioneer Mortgage Funding, Inc. · NMLS #684117 · Licensed in Florida
How It Works
Talk through your goals, timeline, and financial picture directly with Julia.
Get a pre-approval letter — often the same day — so you can move quickly.
Review real options with real numbers. Choose what works for your specific situation.
Complete your application online. We guide you through every document needed.
We manage the process, coordinate with all parties, and keep things moving.
Sign, close, and collect your keys — typically within 30 days of application.
Client Reviews
Julia got us a rate we didn't think was possible on a jumbo loan. She was direct, responsive, and closed on time. I've worked with other brokers — there's a real difference.
I'm an international buyer with no US credit. Julia has done this before — she knew exactly what was needed and we closed in 40 days. I'd recommend her without hesitation.
We've used Julia on three investment properties. Her DSCR loan knowledge saved us a lot on interest, and she closes faster than anyone I've used before.
Why Julia
Most borrowers work with a loan officer they'll never speak to again. Julia's clients call her directly, hear back the same day, and close on time.
Schedule a CallWe shop across multiple lenders to find the most favorable rate for your specific loan profile.
Streamlined process, fewer delays. Most clients close within 30 days of full application.
You'll know every cost upfront. No surprises at the closing table.
You work with Julia throughout the entire process — not a junior processor or call center rep.
One of South Florida's few brokers with consistent, proven foreign national lending experience.
Self-employed, investor, DSCR, jumbo — the cases that trip up other lenders are routine here.
Get Started
Rates change daily. The sooner you have a rate lock and pre-approval, the stronger your position. Reach out today.
