I actually stumbled into the mortgage business 13 years ago.  I have always been good with numbers, and while I was in college my boyfriends' family owned a mortgage company.  They specialized in FHA, and VA financing and needed extra help.  I worked there while going to school, and just fell in love with this business.  I have worked my way up, and am proud to say I am now a licensed Broker.   I have survived the many ups and downs that come with this industry, and truly believe the tough times only make you stronger.  I am honored to have helped so many clients get into homes and start living the "American Dream", and have been blessed with their loyalty.  I own Gateway Financial Group in Auburn, California, which is a branch of First Priority Financial.  They are a wonderful company, which allows me the opportunity to offer the service and personal attention of small company, while enjoying the clout of a large entity when it comes to pricing and the number of wholesale lenders we are approved with.  Being able to offer my clients as many options as possible, with great rates and even better service! J 

For me, it's not just about originating loans.  I am passionate about helping my clients plan their financial future and making sure their mortgage is in line with their short term as well as long term goals.  

I look forward to working together!

Lots of reasons!!!  I have a successful mortgage practice that is built to last.   Most of my business is based on referrals.  Call me and you'll see why!

• First Time Home Buyers - These are probably my favorite clients to work with. I enjoy teaching and guiding them through the process of home ownership.  I am patient and understanding of their questions and needs.
• Move-Up Buyers - I offer my clients the "Constant Pre-qual".  I keep them informed of the value of their home on an annual basis, and offer a service that provides credit checks on a quarterly basis to check for any inaccuracies before they become problems.  This makes them READY when an opportunity for that perfect house becomes available.  We also provide Rate Watch updates that check for the possibility of saving them money on their home loan that can go toward a purchase of investment property, college tuition, or just help with monthly cash flow in today's tough economy.
• Realtors - My realtor partners receive more than just great service! Not only will I give your referrals personal attention and GREAT service, I want to help YOU market YOUR listings! I want to help you get more buyers...that way we all win!  For the agents I work with I offer a FULL ONLINE MARKETING SYSTEM equipped with PROPERTY WEBSITES, a 15 page online MARKETING BOOK to bring in new listings, Craig's List Optimization, Call Capture, Property Flyers, etc!  Call me to see if this program would be right for you.  To find California MLS Listings use eLookyLoo.com to search for your next home.   I would love the opportunity to work with you.  :)

I am genuinely touched by the heartfelt thanks I continually receive.  It means the world to me.  Here is what just a few of my clients have to say:

"Well Julee, I just can't thank you enough.  I've said it all before but I can't help but say it again!  Thank you for the big help!  I know you say it's all in a day's work but still your many efforts are greatly appreciated."  Tinamarie -Refinance client

"The hard work, honesty, and integrity you put into our loan is greatly appreciated.  Thank you so much for all you have done.  We love our new home!"  Tom & Lisa - FTHB

"After speaking with you initially, I knew we were in good hands.  We have had some significant set backs in our lives recently, and after the last one I wasn't' sure if we would ever own another home.  Your advice helped us increase our credit score almost 100 points, which helped us tremendously with the type of financing we were able to get.  Thank you for working with us for as long as you did and never giving up on us.  I know my wife and I may have drove you crazy with our questions, but you never passed us off or made us feel unimportant.  You spent 6 months working with us and coaching us through, getting us ready to purchase our new home.  WE LOVE IT!  We have a place to call home again.  I also wanted to thank you for referring us to Charlotte, she was so helpful in finding us the right home. And negotiateing with the sellers on closing costs.   She was almost as great as you were!  I will be referring all my friends and family to you for a home loan.  We are forever grateful."  Frank-Purchase client

"Thank you so much for all your expert assistance with our loan which indirectly influences the building our new home in Arizona." Ken & Mary-Refinance clients

"You're the BEST!" Don-Refinance client 

"You were the amazing reason "It all worked out in the end!" Thank you!"  Tina-Purchase client

"Thank you so much for everything you did for Gaspar & I.  You made our first housing experience a pleasure!"  Sara & Gaspar-FTHB

"Thank you again for all the help with the loan, you are great to work with!" Roger-Refinance client