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Julie Malta

Loan Consultant - San Mateo, Burlingame (NMLS #254124) Guarantee Mortgage
I joined Guarantee Mortgage in 2008 with 27 years experience in mortgage lending. My first 10 years as a wholesale loan representative for mortgage bankers has given me an expertise from the lenders’ point of view, helping me to package some of the more difficult transactions. In 1994 I switched over to the mortgage broker side of the business, and specialize in residential mortgages. Client satisfaction is my ultimate goal in successfully handling all mortgage needs.

I have a BA in Economics from U.C. Berkeley (1982) and a MBA in real estate finance from Golden Gate University (1986). I reside in Burlingame with my husband Vince, and our three sons, Kevin, Stephen, and Andrew.

Equal Housing Opportunity
NMLS #254124 / 1850
CA BRE #00254124 / 01215943
Aug 2, 2023
Amazing. If someone were to ask me to describe Julie and her team in one word. This was my first time applying for a mortgage and Julie and her team made everything effortless and simple.

What I appreciate the most from this was that Julie and her team took the time to explain things to me every step of the way so I understood exactly what was going on.

If/when the time comes again for me to seek out a refinance or a mortgage, I will definitely be reaching out to Julie and her team again.
Apr 24, 2023
Julie helped us get a house on a short sale. In less than a week she got us in a place where we were able to understand the entire situation. We were able to place a winning offer against many many others, with the confidence of understanding the process. She help us strategize, get in touch with the title company, connected us with insurance and made sure we understood every part of the way. She did all of this with a big smile and positive attitude, really happy about her professional help and glad of her wonderful personality and deep knowledge. Thank you once more, Serg
Oct 17, 2022
Julie and team could not have made our refinance any easier! Our refinance is a little complex with lots of moving pieces and Julie knows her stuff and how to make it work. She was able to move quickly since we were working against the clock with interest on the rise and we were able to close ahead of schedule. I will definitely be returning to Julie for all our financing needs and highly recommend her to anyone looking to finance or refinance a mortgage. Definitely a 5 Star Plus Operation!!
May 23, 2022
There's a very specific reason why I have worked with Julie three times in a row and that's because she delivers. When it comes to home buying, you must have someone like Julie who not only knows how to work with clients but has massive knowledge and resources. I would use her for my next purchase.

Apr 28, 2022
Of course no two home loans are alike, and some can present twists even seasoned Mortgage Professionals seldom see. Ours certainly fit there, and Julie and her team new exactly what to do and suggest, and worked with the Title Pros for a remarkably smooth and seamless experience, one I'm sure would have caused the less experienced to stumble. We cannot recommend Julie and her team more highly. Thanks again Julie!
Dec 15, 2021
Dr.
Julie was terrific. Most importantly, she recommended a financing method ("quick close" in three weeks) that I believe made my purchase offer compelling and so, finally, accepted. I think the method felt a little like a cash offer to the seller. She was extremely competent at getting the process to move along quickly, a little like a general directing her forces on a busy battlefield. Her explanations were concise and articulate. Finally, she was warm and kind, no small thing on the mean streets of real estate. Thanks, Julie.
Oct 19, 2021
Julie and her team made my refinance transaction so easy.
May 4, 2021
We have now done at least three re-fi's with Julie. Each time she distinguishes herself by her knowledge, energy, and frequent communication with us, answering our endless questions. She works hard to find the best rate and lowest cost.
Apr 30, 2021
Julie Malta represented me and my husband on a refinance after we sold our home and bought another. Julie is extremely knowledgeable in this industry which led to my complete trust in her abilities. She did not disappoint, as we got locked in at a fantastic rate and the entire process from start to finish was seamless. What really stood out for us was her extensive knowledge of loan processes and trends in the economy, as well as her responsiveness and strong communication throughout. Julie's dedication to her clients is second to none. We highly recommend Julie and would love the opportunity to work with her again!
Feb 7, 2021
Julie was great - she got me the best refi loan possible!
Mar 13, 2020
Technical Product Manager, Nvidia
Julie pulled off what seemed at the time to be the impossible. Here is some quick background. We were referred to her by our real estate agent, Alan Canas (both incredible people) for the pre-qualification process to start shopping for a home in Nov 2018. Julie recommended that we gather a lot of documentation up front as this would paint a clear picture what we could afford in a home and still live a happy and comfortable lifestyle. After the pre-qualification process, she urged us to keep our documentation up to date because you never know when you'll find the right home. And we did what she said. Fast forward to Feb 2020, we found our new home in a 100+ condo complex. This made things tricky, because we needed to close fast to hit an end of the month deadline to enroll our child in the local school district. All while everyone else wanted to close as well. To make this happen, Julie knew what to do and contacted all the relevant parties, and essentially told them how to get their jobs done. She was truly the quarterback that made the play!! We are thrilled to be in our new home with the peace of mind that our child is enrolled in school this fall. We owe a great deal to Julie, as she was available by phone, text, email every step of the way.
Mar 13, 2020
Technical Product Manager, Nvidia
Julie pulled off what seemed at the time to be the impossible. Here is some quick background. We were referred to her by our real estate agent, Alan Canas (both incredible people) for the pre-qualification process to start shopping for a home in Nov 2018. Julie recommended that we gather a lot of documentation up front as this would paint a clear picture what we could afford in a home and still live a happy and comfortable lifestyle. After the pre-qualification process, she urged us to keep our documentation up to date because you never know when you'll find the right home. And we did what she said. Fast forward to Feb 2019, we found our new home in a 100+ condo complex. This made things tricky, because we needed to close fast to hit an end of the month deadline to enroll our child in the local school district. All while everyone else wanted to close as well. To make this happen, Julie knew what to do and contacted all the relevant parties, and essentially told them how to get their jobs done. She was truly the quarterback that made the play!! We are thrilled to be in our new home with the peace of mind that our child is enrolled in school this fall. We owe a great deal to Julie, as she was available by phone, text, email every step of the way.
Aug 8, 2019
Software Engineer
Julie is one of the most organized and professional people I've ever worked with. I tried another mortgage broker and was confused from the start on what was happening. I quickly switched to Julie Malta based on the reviews and was pleased that my experience was better than I could have expected. To be fair, I put a lot fo work into the paperwork and followed her instructions to the letter. Though I felt I put a lot of work into the application, Julie put more and kept the process superlatively organized. There was not one point where I wondered, "What is going on?" Julie made a consistent and concerted effort to communicate with me, even when she was on vacation on the literal other side of the planet. I can't think of how she could have done a better job. I highly recommend her and would work with her again.
Jun 28, 2019
First-time home buyer
Julie was everything we could have asked for in a loan officer and more. She made sure that she and her team very thoroughly went through each step of the process with us, and expertly worked with our realtor to secure our first home. As first time homebuyers we had lots of questions, and Julie was always there to answer and explain every angle. She definitely goes above and beyond the call of duty. She extraordinarily competent and she is just fantastic to work with on all accounts. Everyone on her team was also excellent throughout the whole process. I would highly recommend her and will look forward to working with her again if/when we decide to make another move!
Jun 6, 2019
Julie did a wonderful job for my refinance transaction. Within 3-4 days from our initial conversation, the rate was locked, the appraisal was ordered and the file was submitted for approval. She kept me up to date with the progress and we were able to close on time with no issues.

I would recommend her services to anyone who needs guidance with their residential mortgage needs.
Jun 15, 2015
Product Manager, Cisco
We have done business with Julie for several mortgages, both initial and re-dos, but this one tested even her skills and she came through with flying colors! This was a difficult closing with some issues with the lender, but Julie was calm and worked very closely with our Realtor to sort out the issue. Julie is tenacious, thorough and a pleasure to work with. She will get you through all the paperwork hoops with a minimum of effort.
Mar 24, 2015
Financial analyst at UCSF
Julie is a wonderful mortgage broker and was a great help to me when I purchased my first home in 2014. As a first-time buyer, I knew nothing about securing a mortgage, but Julie put me at ease and patiently walked me through the process. She went over all the necessary documentation with me at our first meeting and continued to be very responsive and knowledgeable with all my other inquiries as we moved forward. She is highly efficient and responds to phone calls and e-mails in a heartbeat. Not only did she help me put together a competitive offer that landed me my house, but she also made sure that we closed escrow in a timely fashion, and was present as I signed the escrow documents. I highly recommend her to anyone who is looking for a professional, knowledgeable, and efficient mortgage borker!
Feb 10, 2015
Professor
Julie Malta and by far the most exceptional mortgage broker with whom I have ever worked – she really goes the extra mile to make sure that you are able to make the most competitive offer and close the deal if you're buying a house or property, but not only that. She is so personable and so on top of things! I really felt well taken care of in every aspect of my dealings with her as she helped me purchase property in San Francisco. I have worked with several mortgage brokers on purchasing and refinancing properties in the bay area and Julie is by far the best. She will take care of you and see you through the entire process. I cannot recommend her highly enough! Work with Julie – you will not regret it!
Sep 11, 2014
Market research consultant
Julie was such a huge help through my entire house purchase process. This was my first time buying a house on my own, and she gave me such peace of mind as she helped me navigate the process. She got me quickly pre-approved so that I could move quickly in this super competitive housing market, stayed on top of the lenders to get me the best rate come time to actually fund the loan, and helped me close escrow in an astounding 17 days. And she came to my closing so I didn't have to go through it alone. I recommend Julie without hesitation, and have referred several realtors to her when they could not believe how quickly she got escrow closed.
Jun 11, 2014
Homebuyer
Contacting Julie was a perfect first step in my home buying process. I started at square 1, and Julie stayed on top of things, and in touch throughout the entire process. I think my experience was one of the smoothest, and quickest around!
May 8, 2014
First time home buyer
Julie made the home financing and buying process a lot less nerve-racking than it typically is for most home buyers. As a first time buyer, this was an incredible relief for me. Julie took the time to explain in detail every facet of the financing process so that I would be fully informed of what I was getting into and what I would be paying (and paying for). She was extremely responsive and would answer questions and follow up on emails even on evenings, weekends and while she was on vacation. She let me know exactly what documents and declarations I would need to provide to ensure the loan process moved forward without any hiccups made sure I understood the details of the loan and closing costs before I signed anything. Having someone as knowledgeable as her guiding me through the home buying process was a huge comfort and made me feel less uncertain about what was happening and what I was getting into. She is an expert in her field and a true profession who will go the extra mile for her clients and ensure they get the best loan in the least amount of time possible. Anyone who seeks financing services from her will be in very capable and dedicated hands.
May 4, 2014
Realtor
Julie is always on top of everything. She keeps you informed of what is going on with the file. Her communication is superb and great with follow up. I’ve used Julie for my clients that needs financing be it purchase or refinance and most of the people I’ve referred to her are pleased with her service. Julie is the person to go to when it comes to getting a loan.
Apr 6, 2014
Julie is smart and truly understands the mortgage business. My loan situation changed over the course of several months and Julie provided great advice on the different loan programs, suggestion on the best option and worked quickly to secure the loan once the offer was accepted. I highly recommend Julie Malta for her professionalism and knowledge.
Jan 24, 2014
If you don't believe in guardian angels, you will after working with Julie. There wasn't a missed dot or an uncrossed t in our documentation, and we went from nothing to loan approval in 20-odd days... over Christmas and the New Year (and we saved a bunch on closing costs along the way).

Julie was A+ to work with, accessible, and made our home happen.
Jan 23, 2014
Five Michelin Stars for Julie Malta. Julie Malta guided us through our refinance process with her characteristic grace, conscientiousness, and good timing. We had consulted with Julie several years ago on another refinance and were completely impressed by her knowledge and readiness to go the extra distance. She is THE BEST!

Then, after that project, Julie stayed with us for two more years as we deliberated another situation, tracking, collecting, guiding and teaching us until we timed our best opportunity this past year. Julie's expertise and experience, her patience and excellent communication with our family members, enabled us to better understand all the options and to determine the wisest choice for our family. Julie simplified a byzantine process. We trust Julie completely and continually refer her to our family and friends.

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