About Julie
I believe you deserve to understand your options before making one of the biggest financial decisions of your life.
My Story
In fact, my career started on the title side of the business as a licensed escrow officer. One day, I sat across from an elderly woman who was signing documents for a loan that clearly wasn't in her best interest. She looked confused. She looked uncomfortable. And I remember feeling like she didn't fully understand what she was agreeing to.
I wanted to help.
But legally, I couldn't.
I had to stay neutral and watch it happen.
That moment stayed with me long after the closing was over. It bothered me then, and it still bothers me today.
It was also the moment that changed the direction of my career.
I left the title business and moved into mortgage lending because I wanted to do more than process paperwork. I wanted to be the person sitting beside borrowers, helping them understand their options and protecting their interests. I wanted to make sure people had someone they could trust when making one of the biggest financial decisions of their lives.
More than twenty years later, that mission hasn't changed.
Most people only buy or refinance a home a handful of times in their lives.
That's hard.
There are unfamiliar terms, complicated numbers, conflicting advice, and more decisions than most people expect. It's easy to feel overwhelmed. And when that happens, people often make decisions based on incomplete information or because they feel pressured to move forward.
I believe everyone deserves an advocate.
For me, advocacy means helping you understand not just what your options are, but why one option may be better than another. It means giving you honest advice, even when the answer isn't the one you were expecting. And it means treating your mortgage decision with the same care I would want for my own family.
A homeowner once came to me planning to refinance so she could access cash while waiting for her current home to sell.
After reviewing her situation, I realized a refinance would cost her thousands in fees she didn't need to pay. Instead, I recommended another strategy that did not include me.
I didn't make a dime.
But she got the money she needed and avoided unnecessary costs.
To me, that's what mortgage advice should be about: helping people make the right decision, not just closing another loan.
When we work together, my goal is simple.
Whether you're buying your first home, refinancing your current mortgage, or simply looking for a second opinion, I'm here to be a resource and an advocate for you.
No pressure. Just honest guidance.
My Philosophy
I believe you deserve to understand your options before making one of the biggest financial decisions of your life.
My job isn't to sell you a loan. It's to answer your questions, explain the numbers, and help you make the decision that's right for you.
Sometimes that means moving forward. Sometimes it means waiting. Sometimes it means choosing a different path altogether. Whatever the answer is, I want you to understand your options and feel confident in your decision.
I got into lending because I saw what can happen when people don't have someone looking out for their best interests. That experience still guides how I work with clients today.
At the end of the day, if you walk away with more clarity and confidence than you had before we talked, I've done my job.
Experience & Credentials
I've been helping families with mortgages for more than 25 years, and one thing I've learned is that every situation is unique. There is no one-size-fits-all answer when it comes to home financing.
Over the years, I've had the privilege of helping thousands of people buy homes, refinance, invest in real estate, and navigate important financial decisions. Through it all, my approach has stayed the same:
Listen first. Explain things clearly. Help people make informed decisions.
I never take my clients' trust for granted. A mortgage is about more than numbers. It's about your home, your future, and the people you care about most.
The awards and numbers are nice, but what means the most to me is when past clients call years later, refer a family member, or trust me to help someone they care about.
To me, that's the real measure of success.
Life Outside Mortgages
I'm a Utah girl at heart, and my favorite place to be is wherever my family is. Whether we're heading to Bear Lake, finding a great place to eat, watching a movie together, or just spending time at home, those simple moments are what matter most to me.
One fun fact about me: I'm both a grandma and a mom to a kindergartener. Life took a different path than I expected, but I wouldn't change it for the world. It's taught me that everyone's journey looks a little different, and that's okay.
Maybe that's why I love helping people with homeownership. Every family has a unique story, and I consider it a privilege to help them take the next step in theirs.
Meet The Team
When you work with Julie, you're supported by a team that cares about your experience. From answering questions to keeping everything organized behind the scenes, Angela and Alyssa help make the mortgage process feel a little less stressful and a lot more personal.
Loan Assistant
Angela is the kind of person who makes people feel at home. She loves good books, family traditions, and the simple joys of life, whether that's baking cookies, spending time with her grandkids, or enjoying a quiet evening at home. Her warmth and genuine care for others shine through in every client interaction.
At work, Angela helps keep everything organized and moving forward, making sure clients feel informed, supported, and cared for every step of the way.
Loan Processor
Alyssa brings positivity, creativity, and attention to detail to everything she does. Whether she's reading a good book, spending time at the lake with family, or planning her next trip to Disneyland, she loves creating memorable experiences and finding joy in life's little moments.
As Julie's processor, Alyssa works behind the scenes to keep loans moving smoothly and efficiently. Her organization and dedication help ensure clients can focus on their future home instead of paperwork and deadlines.
Together, Julie, Angela, and Alyssa share a simple mission: helping you feel informed, supported, and confident throughout the entire mortgage process. Because buying or refinancing a home should never feel like you're doing it alone.
No pressure. Just honest guidance.
Whether you're buying your first home, refinancing your current mortgage, or simply looking for a second opinion, I'm here to be a resource and an advocate for you.
