Mortgage Loan Officer · Licensed in NJ · CT · FL · NMLS #1630225
Talk to Julia directly — 201-693-6899 — or apply online now.
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. 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.
#2451329
NMLS Licensed
Multiple
Loan Programs Compared
NJ, CT & FL
Licensed States
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 paperwork was e-sign. She stayed in contact with me every day all 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 – 9:00 PM
Specialties
FHA · Conventional · Non-QM · VA · USDA · HELOC
Ready to Get Started?
Call or text Julia directly at 201-693-6899 or start your free application online.
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, and I'm committed to making the mortgage process simple, transparent, and fast for every client I work with.
You deal with one loan officer, not a department
Tell me what you are trying to do and where the credit sits. You will get a straight answer about which programs take your file, from the person who will still be on it the day it closes.