
Meet Julia Luis, Your Trusted Mortgage Loan Officer
535 Bergen Boulevard, Suite 2
Ridgefield, New Jersey 07657
Mobile (201) 693-6899
Tel (888) 958-5382
Ju***@**hl.com
Monday: 8:00AM – 5:00PM
Tuesday: 8:00AM – 5:00PM
Wednesday: 8:00AM – 5:00PM
Thursday: 8:00AM – 5:00PM
Friday: 8:00AM – 5:00PM
> Purchase
> Refinance
I’ll be with you every step of the way
As a dedicated Mortgage Loan Officer at Mortgage-World.com, I specialize in helping homebuyers in New Jersey, Connecticut, and Florida secure Conventional, FHA, VA, USDA, and Non-QM purchase and refinance loans. I’m passionate about making the mortgage process simple and transparent for both homebuyers and real estate agents.
I’m known for delivering fast approvals and outstanding customer service to ensure clients receive timely, accurate information. By focusing on building trust and simplifying the mortgage process, I’ve earned a reputation as a top mortgage loan officer. My commitment to exceptional service and creating lasting relationships has helped countless families achieve their homeownership dreams.
Guides and resources

Your Mortgage Expert
Navigating the mortgage loan process is exciting – and easy- with the right home financing partner. When you work with Mortgage-World.com, you work closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, easy experience. Our goal is to be you mortgage lender of choice for years to come.
How much will my mortgage payment be?
Your loan amount is the portion of the purchase price you borrow (after your down payment), and it’s what your monthly mortgage payment is based on—not the full purchase price.
*This calculator is for educational purposes only. The results are estimates based on information you provided and may not reflect Mortgage-World.com, LLC product terms. The information cannot be used by Mortgage-World.com, LLC to determine a customer’s eligibility for a specific product or service.

Financial Wellness Can Be Yours
Imagine life without credit card debt, with medical expenses taken care of, or with funds to make large purchases. Peaceful, isn’t it?
Our home equity programs can help you achieve that dream. These include:
- Closed End Second Loan
- Home Equity Line of Credit (HELOC)
- Cash-Out Refinance
Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today.