about mortgage by julia

We’re more than just a mortgage company—we’re your trusted partner in the home loan process. Our mission is simple: to make home financing clear, stress-free, and tailored to your goals. Whether you’re buying your first home, upgrading, refinancing, or investing, we’re here to guide you every step of the way.

Julia Zhguleva

Julia is a highly accomplished mortgage professional with over 16 years of industry experience and more than $350 million in closed loan volume. Ranked among the top 1% of mortgage brokers in Florida, she has built a strong reputation for delivering results—even in the most complex financing scenarios.

She specializes in luxury real estate, investor financing, DSCR loans, and complex multifamily deal structuring. Working closely with high-net-worth individuals, real estate investors, and foreign nationals, Julia creates tailored financing solutions that align precisely with each client’s investment strategy and long-term goals.

From 5+ unit multifamily properties to $20 million hard money loans, Julia is known for structuring deals that close—when others can’t. Her expertise, attention to detail, and client-first approach ensure a smooth, efficient, and transparent process. Serving clients across South Florida, she delivers exceptional service with discretion and professionalism at every step.

What We Do

We provide a wide range of loan options designed to fit different lifestyles, financial situations, and goals, including:

30 Year Fixed Mortgage

Mortgage with fixed interest rate over thirty years.

15 Year Fixed Mortgage

Fixed-rate mortgage fully repaid over fifteen years.

Adjustable Rate Mortgage (ARM)

Mortgage with interest rate adjusting periodically over time.

FHA Loans

Government-backed loan for buyers with lower credit.

VA Loans

Veterans loan offering favorable terms and no downpayment.

Jumbo Loans

Loan exceeding standard limits for high-value property purchases.