Julian Avila

My name is Julian Avila and I'm a loan officer with Guaranteed Rate , I specialize in helping people secure financing for their home purchases and refinances. I know that as a real estate professional, you have a lot of demands on your time and resources. That's why I'm here today – to make the financing process as smooth and stress-free as possible for you and your clients. I offer a range of loan options, including conventional, FHA, VA, Conventional, Non QM loans (Bank Statement Program, 1099, DSCR, Foreign Nationals, Hometown Heroes Program….) I also have programs for first-time homebuyers and homeowners looking to refinance their current mortgage. If you or anyone you know is in need of a mortgage, please don't hesitate to reach out to me. I'd be happy to answer any questions and provide you with a personalized loan recommendation. If you or anyone you know is in need of a mortgage, please don't hesitate to reach out to me. I'd be happy to answer any questions and provide you with a personalized loan recommendation. • Programs we offer: • Conventional • FHA • VA If you have any loan that does not fit conventional guidelines, please always give me a call or email.—our goal is to help you turn tricky scenarios into successful purchase transactions. • 12-month bank statement program or 24-month program for self-employed borrowers • Two years 1099 program • DSCR Program allows your investors to qualify for the loan based on the “rental income” of the subject property (No income documents are required) • ITIN programs are back (please inquire for specifics) • Non-warrantable condos allowed up to 75% LTV • Hometown HEROES Program • Foreign nationals • HELOCS • 2nd Mortgages • Commercial • Asset depletion or asset qualifier program for asset-rich borrowers: we qualify the borrower on their liquid assets and not income • Jumbo • One Year full doc program (borrower must have 5yrs experience on the same industry to qualify) • Bankruptcy and foreclosure seasoning as little as 24 months • Condotels: case by case • If the borrower wants to close in name of LLC for investment properties, we can do that! If you have any clients who are in need of financing, please don't hesitate to refer them to me. I'd be happy to answer any questions and provide them with a personalized loan recommendation. Thanks for considering Guaranteed Rate for your clients' financing needs. I look forward to working with you.