Julie Malta (NMLS #254124)

Julie is one of the most organized and professional people I've ever worked with. I tried another mortgage broker and was confused from the start on what was happening. I quickly switched to Julie Malta based on the reviews and was pleased that my experience was better than I could have expected. To be fair, I put a lot fo work into the paperwork and followed her instructions to the letter. Though I felt I put a lot of work into the application, Julie put more and kept the process superlatively organized. There was not one point where I wondered, "What is going on?" Julie made a consistent and concerted effort to communicate with me, even when she was on vacation on the literal other side of the planet. I can't think of how she could have done a better job. I highly recommend her and would work with her again.

Julie is one of the most organized and professional people I've ever worked with. I tried another mortgage broker and was confused from the start on what was happening. I quickly switched to Julie Malta based on the reviews and was pleased that my experience was better than I could have expected. To be fair, I put a lot fo work into the paperwork and followed her instructions to the letter. Though I felt I put a lot of work into the application, Julie put more and kept the process superlatively organized. There was not one point where I wondered, "What is going on?" Julie made a consistent and concerted effort to communicate with me, even when she was on vacation on the literal other side of the planet. I can't think of how she could have done a better job. I highly recommend her and would work with her again.

Julie got us pre-approved a few months ago as my husband and I were ready to buy our first home. The process was really simple and Julie had great communication throughout the process. Fast forward to last week. We found a house, put in an offer and things moved VERY quickly. We had a 21 day close which happened to fall the Tuesday after July 4th. Not to mention we were generally terrified of buying a home and this entire process. Julie treated us like family. She was available until nearly 9pm on offer day talking us through our interest rates and monthly payments. She texted and called us after our offer was accepted to ensure we knew what was going on in the background for all 21 days. On signing day, she made sure to call us to let us know we can call her at anytime if we have questions. She’s absolutely delightful, trustworthy, extremely experienced. You can’t go wrong. This woman works for YOU and has your best interest.

Julie got us pre-approved a few months ago as my husband and I were ready to buy our first home. The process was really simple and Julie had great communication throughout the process. Fast forward to last week. We found a house, put in an offer and things moved VERY quickly. We had a 21 day close which happened to fall the Tuesday after July 4th. Not to mention we were generally terrified of buying a home and this entire process. Julie treated us like family. She was available until nearly 9pm on offer day talking us through our interest rates and monthly payments. She texted and called us after our offer was accepted to ensure we knew what was going on in the background for all 21 days. On signing day, she made sure to call us to let us know we can call her at anytime if we have questions. She’s absolutely delightful, trustworthy, extremely experienced. You can’t go wrong. This woman works for YOU and has your best interest.

Julie was everything we could have asked for in a loan officer and more. She made sure that she and her team very thoroughly went through each step of the process with us, and expertly worked with our realtor to secure our first home. As first time homebuyers we had lots of questions, and Julie was always there to answer and explain every angle. She definitely goes above and beyond the call of duty. She extraordinarily competent and she is just fantastic to work with on all accounts. Everyone on her team was also excellent throughout the whole process. I would highly recommend her and will look forward to working with her again if/when we decide to make another move!

Julie was everything we could have asked for in a loan officer and more. She made sure that she and her team very thoroughly went through each step of the process with us, and expertly worked with our realtor to secure our first home. As first time homebuyers we had lots of questions, and Julie was always there to answer and explain every angle. She definitely goes above and beyond the call of duty. She extraordinarily competent and she is just fantastic to work with on all accounts. Everyone on her team was also excellent throughout the whole process. I would highly recommend her and will look forward to working with her again if/when we decide to make another move!

Julie did a wonderful job for my refinance transaction. Within 3-4 days from our initial conversation, the rate was locked, the appraisal was ordered and the file was submitted for approval. She kept me up to date with the progress and we were able to close on time with no issues. I would recommend her services to anyone who needs guidance with their residential mortgage needs.

Really hard to sum Julie up in a headline, but her most stand-out characteristic is how hard she works to get things right, and how well she has honed her craft as a mortgage broker. I have owed her a review for a while now, but the last year has been quite occupied with settling into the AWESOME HOME that Julie helped us land (and a couple of timely refis that Julie brokered for us too). Julie is actually one of several exceptional members of the Malta family, 3 of whom my partner and I have worked with in some capacity over the years for our housing needs. We feel so fortunate to have stumbled upon this seemingly magical family of SF real estate professionals. When my partner and I began looking for a home in San Francisco, Julie came to our rescue with enthusiasm. In our particular case, we were motivated to buy after a substantial rent increase and we weren’t sure that we would be able to afford to stay in the city. Julie not only came up with a loan arrangement that allowed us to compete in the SF market and avoid mortgage insurance, she kept at it and managed to keep our resolve and our spirits up through nearly 6 months of searching and being outbid. In the end, we benefited immensely from Julie’s deep experience with the real estate market in the San Francisco area, and we were able to make extremely competitive offers. It took a while, but we landed our dream home without counteroffers, despite only being the 4th highest bid, and it was in large part due to Julie’s mastery of her craft, and what we learned in her care. A great thing about Julie is that she treated us like friends, or even family, and saw our situation as a surmountable challenge, ultimately because she was more concerned for our happiness and well-being than her compensation. When I first spoke to her almost a year and a half ago, it was on a Sunday night and she was in an airport waiting for a flight back to SF. We must have spoken for nearly an hour as she collected my details from the airport terminal and eventually boarded her plane - I don’t know how many mortgage brokers would do that instead of waiting until Monday. Like I said, she was happy to help us from the get-go. Anyone who is on the fence about homeownership would benefit from a conversation with Julie: she can convince you of its benefits and make the process so much less frightening all in one fell swoop. She knows what she’s doing, explains every complicated aspect of the lending process well, and she doesn’t mind when you ask her the same questions again and again, because sometimes your brain turns to mush during the home-buying process. She’s just happy that you’re being as diligent as she is! Since our purchase over a year ago, Julie has navigated us through 2 refinances as well. The first, to get out of the two-loan arrangement that enabled us to buy the home in the first place (one was a variable rate HELOC that, with the increased value of our home and some pay-down, we were able to refinance out of). And the second, to take advantage of lower rates in early 2019. Julie kept an eye on the markets and rates and reached back out to us when the time was right, to make sure that we didn’t leave any money on the table. Now that is some serious customer care! If you’re looking for a great mortgage broker to help you buy or refinance, I cannot recommend Julie enough. Having closed 3 major transactions with her in just a little over a year, I am a believer!