(619) 492-LOAN

Julio picture

Julio Rugama

Loan Officer

448522
(619) 500-3055
(661) 703-1534
Email Me
San Diego
864 Amena Ct.
Chula Vista, California 91910

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Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

Julio’s passion is to assist families to achieve their home dreams.
Working in lending industry since 2000, Julio has closed over 2,300 loans for a myriad of clients, from first time home buyers to multi-million dollar transactions.


Julio’s work ethic, professionalism, cheerful personality and perpetual optimism allow him to thrive in the mortgage industry. His success stems from the personalized, high-level approach taken with every client and every referral source. Through an in-depth focus approach, Julio gets to appreciate his client’s preferences and financial goals that enable him to provide a better more comprehensive service; always placing his clients’ needs first, ensuring the best rates possible and providing a pleasantly memorable experience.


His reputation is built on trust and integrity, he is well known for his accessibility post-bank hours and weekends and his main source of business is pleased realtors’ and happy past-clients’ word-of-mouth.