25+ years · 3,000+ home loans · Utah
The Mortgage Lady Everyone Recommends.
Get the clarity you need to move forward with confidence. Julie makes the complex feel simple with calm, honest guidance from start to finish.
No pressure—just honest answers tailored to you.
Trusted by 3,000+ familiesFriendly guidance people remember—and recommend.
Start hereWhat can Julie help you do?
01Buy a homePrepare and get pre-approved02RefinanceReview payment, term, or equity03Check my optionsGet a personalized rate reviewWhat is the best mortgage for me?
Loan programs designed around you.
Every homebuyer’s story is different—and your loan should reflect that. See the most common paths, then let Julie help you compare the details.
01
Conventional Loans
A widely used option with a range of term, down-payment, and property choices.
Learn more →02DSCR Loans
An investment-property option evaluated primarily through property cash flow.
Learn more →03FHA Loans
A government-insured program that may offer flexible qualification features.
Learn more →04Jumbo Loans
Loan options for purchase amounts that exceed standard conforming limits.
Learn more →05Refinance Loans
A new loan structure that may support payment, term, equity, or debt-management goals.
Learn more →06Reverse Mortgages
A home-equity financing option with important age, occupancy, cost, and counseling requirements.
Learn more →07USDA Loans
A government-backed option for eligible borrowers and properties in designated areas.
Learn more →08VA Loans
A government-backed mortgage benefit for eligible veterans, service members, and qualifying spouses.
Learn more →Not sure which loan fits?
That’s exactly what Julie is here for.
Most clients do not know where to start. A quick, no-pressure conversation is often all it takes to point you in the right direction.
Clear.Calm. Experienced.
A mortgage experience built around you
Advice starts with listening.
Julie takes the time to understand your goals, explain your options in straightforward language, and help you choose the path that makes sense for your life—not just today, but long-term.
You will never feel lost or rushed
Four clear steps to your next home.
Julie and her team keep every milestone visible, explain what comes next, and stay close through closing.
- 01
Talk about your goals
Start with a real conversation about the home, payment, timeline, and bigger picture.
- 02
Get pre-approved
Review documents, compare programs, and understand a confident price range.
- 03
Move forward prepared
Shop for your home or choose your refinance path with clear numbers.
- 04
Close with confidence
The team coordinates the details and keeps you informed all the way through.
Tools for clearer decisions
Understand your numbers before you make a move.
Try a planning estimate for monthly payment, affordability, or refinance savings. Then ask Julie to help you turn the estimate into a personalized game plan.
Open the full calculator pageEstimated principal & interest
$2,275per monthPlanning range based on a 36% debt ratio
$383,000estimated home priceEstimated monthly savings
$374Estimated break-even
15 mo.Planning estimates only. Results exclude taxes, insurance, mortgage insurance, HOA dues, and other costs unless stated. This is not a quote, approval, or commitment to lend.
Trusted by homebuyers across Utah
The kind of support people remember.
Julie’s business is built on referrals for a reason. Clients consistently describe her as knowledgeable, responsive, thorough, and genuinely caring.
★★★★★
“Working with Julie and her team was an excellent experience. She was incredibly quick to respond, patient with all of my questions, and supportive throughout the entire process.”
★★★★★
“Julie is absolutely amazing! She took care of us from the very first steps and was always available to answer questions along the way.”
★★★★★
“She spent so much time on the phone to help us understand our options and demonstrated a singular blend of professional expertise and kindness.”
Top questions from clients
Simple answers to the questions that matter.
Mortgage decisions feel easier when you understand the language, numbers, and process.
See all top questions01How much home can I afford?
Your comfortable price range depends on income, monthly debts, available cash, loan program, taxes, insurance, and the payment you want to live with. A calculator is a useful first look; a personalized review gives you a much more reliable number.
02What type of mortgage is best for me?
There is no single best loan for everyone. Conventional, FHA, VA, USDA, jumbo, and specialized programs each solve different problems. Julie compares the payment, cash needed, qualification rules, and long-term cost before recommending a path.
03What is the difference between pre-qualification and pre-approval?
A pre-qualification is an early estimate based mainly on information you provide. A pre-approval is a more complete review of credit, income, assets, and documentation, and usually gives sellers more confidence in your offer.
04Do I need 20% down?
Often, no. Some conventional programs allow lower down payments, while eligible VA and USDA borrowers may have zero-down options. The best choice depends on eligibility, mortgage insurance, cash reserves, and the total monthly payment.
05How is my mortgage rate determined?
Rates are shaped by daily market conditions and by details such as credit, down payment, loan type, property use, loan term, points, and debt-to-income ratio. That is why a personalized quote is more useful than an advertised average.
Julie’s here when you’re ready
Let’s talk about your goals.
Ask questions, review your numbers, and get honest guidance you can feel good about. No pressure. Just clarity.