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

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!”

Our Latest Thinking

We recognize this is a difficult time for many people. Click here or call 866-913-2951 for more information and to learn about current options available to our borrowers.