About Julia Kruger

Julia is a creative thinker, strong advocate for her borrowers, home design hobbyist and mother. She loves horse back riding and entertaining.

Julia Kruger has been a Home Loan Officer for more than 25 years, working initially as a broker and then as a direct lender with WJ Bradley and Pinnacle Capital. She has a degree in Business with an emphasis in Finance and Real Estate, so it was a natural fit for her to become a loan officer.

In her career, Julia has seen the extremes in the market. From fixed rates around 12%, to recent rates in the 3% range, from depreciating markets to appreciating markets, and a wide variety of ever-changing loan products, she’s worked through it all. This experience allows her to see the bigger picture and understand that today’s market isn’t finite. Things are always changing and Julia is prepared to help her clients make educated decisions in any market environment.

As a Home Loan Officer, Julia thinks outside the box and enjoys putting a creative deal together. She fights for her clients and their loans, and isn’t afraid to challenge an underwriting decision. Her main goal is a happy customer.

Outside of real estate and lending, Julia’s passion is riding horses. She competed in the local Hunter Jumper circuit for several years, and now she enjoys riding with her daughter. She has also built eight spec homes and loves the design and building process.

Julia is passionate about home loans and has decades of experience, and is an excellent choice for borrowers looking for a Home Loan Officer who will put all her energy into their loan.

“We had a lot of bumps in the road while obtaining our new home. Julia stepped in with little notice, smoothed out everything – assuring us the entire way. Final results were fantastic as well as everything closed on time! She’s great!”

– Lynnette R. 5/11/15
“I have used Julia Kruger to refinance several times. I always receive top-notch service!”
– Barbara E. 4/25/15

What Our Customers Say About Me

Vicki C. Feb-22
“Julia Kruger was amazing during the entire process. She is the consumate professional in every aspect of her work. She was available to answer every question that we had and explain the process. She truly goes the extra mile for you. It is truly obvious that she loves her job which makes it so easy to work with her. I wish there was an 11 on your scale because she deserves it! The entire Homebridge team was really great to work with as well. Our appraiser, notary and Laura were so friendly and each to work with. Thank you so much for having such a wonderful team and providing a truly great experience.”
Michael P. Oct-21
“I had previously worked with Julia Kruger on a previous house purchase and refinance and did not hesitate to contact her again on this refinance. She is knowledgeable and very quick to respond to any questions. I am very satisfied and would definitely recommend Julia.”
Adam L. Sep-21
“Julia was the most attentive and knowledgeable individual I had the pleasure of working with throughout our home purchase experience. I highly recommend her.”
Michael G. Sep-21
“Julia was great! ”
Monica M. Aug-21
“I was referred to Julia by my realtor who had contacted Julia and explained my situation. When I called Julia, she knew who I was, and had already begun researching my options and explained the information she was looking into. This was my first interaction with Julia and I was sold right then! She called me back later that evening to explain the results of her research and answered all my questions to help me make the best decision, and started my application right away. All along the process Julia and her team kept me informed of any status updates or need for additional information. I had put several initial offers on different properties and my realtor told me that Julia called the listing agent to let them know I was I preapproved - some of them on a Saturday. This is my 4th home purchase and I've never had a loan officer do that! To say the service I received was excellent is an understatement. The communication and ease of the loan process was amazing. I honestly can say I don't have any feedback for improvements for Julia, her team or Homebridge. The service is outstanding, above and beyond and I am so thankful to my realtor for referring me to Julia and Homebridge. Thank you Julia! I appreciate all your help!!”
Arlene H. May-21
“Julia Kruger has worked with customers (buyers) of mine for over 10 years. I am happy to have the opportunity to have her handle my own home loan directly. Her professionalism, knowledge and follow up is always exceptional. As an active full time real estate agent, I will recommend her continually.”
Mario N. May-21
“Tanks Julie you are the best tank you so much”
Keith B. Apr-21
“Julia is simply the best. Very knowledgeable and dedicated to making it happen the best way possible for her customers”
Robert F. Apr-21
“Julia Kruger was fabulous because she kept me informed throughout the process and walked me through all the necessary via computer.”
David C. Mar-21
“Julia always does an outstanding job. She is very professional and organized. It's a pleasure knowing Julia is taking care of all my mortgage needs.”
Bovey Z. Mar-21
“Julia was referred to me by my realtor who has worked with her in the past. I was extremely pleased with her through this whole loan process. She was very attentive and was able to close and find my loan in a record time. She helped secure this loan and has earned my business for life. I will be sure to refer anyone I know who is in need of a loan with Julia! The homebridge website was also intuitive and I enjoyed the status updates and document uploading. Overall a very pleasant experience from start to finish!”
Joel K. Mar-21
“Julia Kruger is amazing. This is our second time utilizing her. She is patient, extremely knowledgable and her follow up is second to none. While Homebridge seems like a great organization we would work with Julia regardless of what organization she was with.”
Michael A. Feb-21
“Julia and staff were always on top of any situation. They handled everything in timely manner and always easy to get hold of.Great communication.”
Laura M. Feb-21
“Julia Kruger has been my personal loan representative for over 20 years as well as the loan broker for my parents and many friends and friends of friends who all have been extremely satisfied with her expertise and diligence every step of the process. I will follow her wherever Julia goes for future loans as she always goes above and beyond! Hopefully she never retires!!”
Jaganmohan V. Jan-21
“It was very easy to work with Julia and she came to my House to collect all the required documents. She is always cheerful and we enjoyed working with her.”
Constance A. Dec-20
“Julia is so easy to work with and so friendly. She is very responsive to any question we had and worked hard to make the process as easy as possible from beginning to end. We very much enjoy working with her and would gladly refer anyone looking to buy or refinance a home to Julia and Homebridge.”
Andrew F. Nov-20
“I could not have been happier with the service provided by Julia Kruger. The process was easy and efficient.”
Woodrow P. Nov-20
“Extremely professional, knowledgeable and personable. Ease of application and closing. This is our second home loan with Julia and plan to apply for another in the near future. Thank you.”
Joseph N. Nov-20
“Julia was incredibly responsive, very knowledgeable, and super helpful through the entire process. It reduced my stress in the process greatly. Thanks so much!”
Adrian O. Oct-20
“Julia Kruger did an amazing job with my refinance. I have a rather complicated file and Julia understood my situation and tailored a mortgage solution for my needs. She is competent and understands the business. I was told by other financial institutions that it cannot be done, while Julia amanged to deliver. She managed to deliver on time and I am super happy with the outcome. Looking forward to working with Julia on future financing.”
James T. Sep-20
“She made it all possible!”
Kimberly C. Aug-20
“Julia did an amazing job as always and has yet again exceeded my expectations. She is very professional, responsive and knowledgeable. It is always a pleasure going through a stressful process such as refinancing with her because she is so knowledgeable and helpful. Again, it was a pleasure doing business with her.”
Jeremy S. Aug-20
“We have appreciated working with Julia Kruger twice now, and will continue to work with her in the future. Every step of the way, she was always very clear about what steps we needed to take, what options were available, and was always calling to check up on us and explain everything. We are very happy with how things turned out.”
Daniel E. Aug-20
“Julia was very helpful every step of the way, Great Job !!”
Carolyn C. Jun-20
“This is my third loan with Julia. Julia was able to find the lowest rate and made the process very easy by clearly communicating what she needed, easy way of providing documentation to her in a very secure manner and keeping me informed through the process. She's awesome!”

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