Get up-to-date information and assistance from our COVID-19 Resource Guide.

headshot
Julia Downs
VP of Mortgage Lending
Julia Downs is a Graduate of UCLA with a degree in Business Management and a minor in Communications. Julia has been in the lending industry for over 20 years. She is witness to the industry’s highs and lows and understands growth and education ...
Julia Downs is a Graduate of UCLA with a degree in Business Management and a minor in Communications. Julia has been in the lending industry for over 20 years. She is witness to the industry’s highs and lows and understands growth and education is the key to success in the ever-changing world of mortgage lending. Julia specializes in multiple types of lending, Jumbo, purchase-money loans, FHA, VA, refinance and Conventional lending. Julia is passionate of assisting First Time Homebuyers as well as Veteran’s. Julia prides herself on attention to detail and her ability to listen to her clients. She is customer service oriented and works hard to provide tailored solutions that best fit her client's needs. Her goal is to not just be her client's lender today, but to become their lifelong mortgage resource. Julia truly enjoys her work! Julia is very involved in her community, she belongs and volunteers as often as possible, including but not limited to Veterans United , Girls and Boys Club, P&B Charity, SD Justice Center for children. Julia is a standing member of these organizations, OCCAR, SDAR, SRCAR, PREP and Escondido Real Estate Professionals. She also served as 2015-2016 Affiliate Coordinator for PREP. Julia also likes to see others grow in the same field she is the first to offer the olive branch to help a new comer to the industry and let them learn from her. She utilizes this as a way to grow.
Julia Downs at Guaranteed Rate at 230 Commerce Irvine, CA

See how easy our Digital Mortgage works

Recent Reviews

What people are saying

Mortgage Calculator

See how much home you can afford to buy in just 90 seconds
Agent Advantage
Real Estate Agents: Want to look good and grow your business?
Marcus by Goldman Sachs
Consolidate your debt and potentially lower your interest rates
loading rates table

Today's Rates

Loan TypeRateAPR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I'll answer your questions and guide you through the process!