Understand your home buying budget in minutes

Run real numbers, see your options, and get a clear plan with a trusted, 5-star rated mortgage advisor serving Colorado, Oregon, and Georgia.

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Today's Rates

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Payment Estimator

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Estimates only. Rates and payments vary based on credit profile, lender guidelines, and market conditions. Less than 20% down could result in mortgage insurance.

Recent Customer Reviews

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"Julie was great throughout the whole process! She was quick to respond to any questions, helpful in getting documents together, friendly, and knowledgeable. Overall, awesome to work with!"

— Jamie Ballah

(2 weeks ago)

Who We Help

Every buyer is unique. We match you with the right loan program for your situation.

🏠

First-time homebuyers

Navigate your first purchase with confidence. We explain every step and find programs designed for first-time buyers.

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📈

Move-up buyers

Ready for your next home? We help you leverage your current equity and find the best financing for your upgrade.

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👨‍✈️

Veterans & active-duty military

Maximize your VA loan benefits with zero-down options and competitive rates reserved for those who served.

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💼

Self-employed & investors

Specialized programs for business owners and investors. We understand your unique income documentation needs.

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Simple 3-Step Mortgage Process

From first conversation to closing, we make it straightforward.

1

Talk or run numbers

Get clear guidance without pressure.

2

Get pre-approved

Shop with confidence and strong negotiating power.

3

Close smoothly

We guide you through every step.

Feeling confident and ready to apply?

Start your secure mortgage application and connect directly to Julie's loan system.

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Loan Programs That Fit Your Needs

We offer a wide range of loan options, explained in plain language.

🏡

Conventional Loans

Great for most buyers

Flexible terms, competitive rates, and down payments as low as 3%.

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🔑

FHA Loans

Flexible and lower down payments

Perfect for first-time buyers with down payments as low as 3.5%.

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👨‍✈️

VA Loans

Zero-down benefits for military

Exclusive benefits for veterans and active-duty service members.

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💎

Jumbo Loans

Higher-end home financing

Financing for luxury homes and high-value properties.

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Ready when you are.

Start your mortgage application anytime.

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Get Pre Approved With Julie

Buying a home starts with one important step: getting pre approved. A pre approval is more than a quick estimate - it is a lender verified look at your finances that gives you a clear price range and a stronger position when you make an offer.

Start Your Pre Approval

What is a mortgage pre approval?

A mortgage pre approval is a review of your income, credit, debts, and down payment so you can shop for homes with a clear budget. When you are pre approved, Julie can provide a pre approval letter for you to include with your offer.

Why getting pre approved matters

  • Know your budget: See exactly what price range and payment amount fits your situation.

  • Stronger offers: Sellers and agents take pre approved buyers more seriously, especially in competitive markets.

  • Shop with confidence: Focus only on homes that line up with your budget and loan options.

  • Faster closing: Because much of the review is already done, you are a step ahead when you find the right home.

  • No cost and no obligation: Getting pre approved with Julie is free and does not lock you into anything.

How the process works

  1. 1. Start your application: Use Julie's secure online link. It usually takes about 10 minutes.
  2. 2. Upload documents: Julie will let you know what to provide, such as pay stubs, W-2s, tax returns, and bank statements.
  3. 3. Review and pre approval letter: Julie reviews your information and, if everything fits, provides your pre approval letter.
  4. 4. Shop for homes: Use your letter to make competitive offers with confidence.

Have questions before you apply?

Use the form on the right, or contact Julie directly:

Explore more

🏠 Loan Programs💬 Ask Julie Blog🧮 Calculators

Have questions before you get pre approved?

Send a message and Julie will respond within 24 hours, Monday through Friday.