About Julie Myers
Helping home buyers across California buy homes with confidence, without the stress. Hi, I'm Julie Myers, a mortgage loan officer based in Encinitas, California helping clients navigate the home financing process with clarity and confidence for over 25 years. I specialize in working with first-time buyers, move-up buyers, investors, veterans, and more. I service San Diego, Licensed in California, Oregon, Washington, Colorado, Texas, Florida, Georgia. I offer tailored loan solutions and a smooth, transparent experience from start to finish. Whether you're: Buying your first home * Exploring refinancing options * Looking into programs like FHA, VA, Conventional, Jumbo, Down Payment Assistance I'll walk you through your options and help you choose the right strategy—not just the easiest one. What sets me apart: Clear, honest communication—no surprises Always available, including weekends and evenings Solution based- can help in any situation to get the deal closed A focus on education so you feel confident every step of the way *Do you need 20% down to buy a home? -No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? -It varies, but there are options available even if your credit isn't perfect. How much home can you afford? -That depends on your income, debt, and goals—I'll help you break it down clearly. I've helped over 1,000 clients throughout California secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. Check out my client reviews to see what it's like to work together. When I'm not helping clients, you'll find me spending time with family and enjoying the California lifestyle with so much to do! I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.
