Mortgage Loan Officer · NJ · CT · FL · NMLS #2451329
Julia Luis — Mortgage Loan Officer
Most people call already worried about qualifying. Which loan fits usually comes down to how you’re paid and what you’re buying — a W-2 file and a self-employed file take different routes. I place six types: Conventional, FHA, VA, USDA, Non-QM, and home equity programs. Purchases, refinances, and cash-out. Call my line and tell me where the credit sits, and I’ll tell you which ones your file clears.
Last updated September 2026 · reviewed by a licensed mortgage broker
NJ, CT and FL
Buy Or Refinance
2451329
On Your File
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, plus home equity programs. I'm passionate about making the mortgage process simple and transparent for both homebuyers and real estate agents.
I work to keep your approval moving and to give you timely, accurate information at every step. My focus is building trust and keeping the mortgage process simple.
My commitment to exceptional service and creating lasting relationships has helped many families achieve their homeownership dreams. Born and raised in New Jersey, I grew up watching my father and older brother work diligently in the mortgage world — and I'm proud to carry that family tradition forward at Mortgage-World.com.
Loan Programs Julia Specializes In
FHA Loans
Down to 500 credit score. Great for first-time buyers and borrowers rebuilding credit.
VA Loans
0% down for eligible veterans and active-duty military. Down to 500 credit score.
USDA Loans
0% down financing for eligible rural and suburban properties.
Conventional Loans
Competitive rates for borrowers with solid credit and a stable employment history.
Non-QM Loans
Self-employed, 1099, bank statement, and asset-based programs. Down to 600 score.
Home Equity Programs
Closed-end second loans, HELOCs, and cash-out refinances to tap into your equity.
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 — including closed-end second loans, HELOCs, and cash-out refinances — can help you achieve that dream.
Your equity may be the key to greater financial wellness. Let's see what doors our home loans can open for you today.
What Clients Say
★★★★★
“Julia Luis has been very professional and has been very helpful during the process! Anyone looking for someone to assist them in their future adventures needs to have her on your side! Thank you for being there for me!!”
— Joel F.
★★★★★
“Julia was very easy to work with on getting my refinance approved. Most of the paperwork was e-sign. She stayed in contact with me every day all the way up to closing. I highly recommend using them for any mortgage loan, refinance etc. They will work for you. Thank y'all!”
— James D.
Related Resources
Related Pages
Learn about our family-owned licensed brokerage serving NJ, CT, and FL since 2017.
First time home buyer programs including down payment assistance.
Alternative income loan solutions for self-employed borrowers and real estate investors.
Start your free, no-obligation mortgage application today.
Office
535 Bergen Boulevard, Suite 2
Ridgefield, New Jersey 07657
Hours
Monday – Friday
8:00 AM – 10:00 PM
Specialties
FHA · Conventional · Non-QM · VA · USDA · HELOC
You deal with one loan officer, not a department
Send me the file before you pay for an appraisal. I’ll read it the way an underwriter will, and if something needs fixing first, you’ll hear it up front instead of after the money is spent. Same person on the file the day it closes.
Julia Luis
I'm a Mortgage Loan Officer with Mortgage-World.com, LLC, a family-owned licensed brokerage licensed in NJ, CT, and FL. I specialize in Conventional, FHA, VA, USDA, and Non-QM purchase and refinance loans, plus home equity programs, and I'm committed to making the mortgage process simple and transparent for every client I work with.