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Julie Schumer-McMahon

VP of Mortgage Lending Guaranteed Rate Affinity NMLS #235802
Julie Schumer-McMahon provides clients with a valuable combination of experience and service. She has personally assembled most of her clients’ loan files since 1988 and therefore has a deep understanding of how the loan process works. She is able to use her insights to make the process as seamless and painless as possible for her borrowers.

“Clients consider me a ‘concierge’ loan agent. I do my homework prior to submitting each loan because experience has taught me that packaging a loan correctly is the key to moving things along smoothly. I love what I do, and I focus on attention to detail and clear communication throughout the process. “ –Julie Schumer-McMahon

As a result of her approach she has received multiple top achievement awards in her career.

Julie focuses on the San Carlos market but has originated loans all across California. She has lived in San Carlos since 1997 and in the Bay Area since 1983.

Julie’s family includes her husband , girl/boy twins and a younger son. When she isn’t working with clients, she enjoys entertaining, cooking, playing softball, hiking with her husband,walking her dog, and watching her younger son play baseball.
Oct 20, 2020
Registered Nurse
Julie was absolutely wonderful to work with. We originally worked with her when we bought our home, and chose to work with her again to refinance this year. The decision to work with Julie couldn't have been easier. She is extremely responsive and dedicated to her work, and really made us feel like we were her top priority. She is friendly and personable, and made sure we were comfortable with every decision before moving forward. We wouldn't work with anyone else!
Oct 14, 2020
Electrician
I highly recommend Julie. She did a phenomenal job helping me and my family purchasing our home . Her commitment and excellence of communication made the whole process much easier. Thank you Julie
Sep 1, 2020
Sr.Software Engineer
Julie has been amazing help for us to guide to our 1st time home buying experience. She was patient enough to make us understand all the new terms of mortgage , lending and other financial terms. She was also on top of getting us amazing rates and quotes , also guided us well through the entire process. She is quite knowledgeable about the buying locations , lending options and communities which will be quite helpful in your process. Highly recommended.
Aug 28, 2020
Fireman
Julie was extremely helpful with every aspect of the loan process. It is obvious that she is very knowledgeable in the process and is always a phone call or email away if you need help at any time. She was always quick to respond even at night and/ or on weekends. I highly recommend Julie for any of your loan needs as she is professional and proficient from start to finish! Thanks again Julie!
Jun 30, 2020
Communications Specialist
This is our 5th time using Julie as our mortgage lending professional. Every time Julie goes above and beyond providing excellent service and communication throughout the entire process.
Thanks Julie!
Jun 30, 2020
Senior design engineer
Julie was very professional and guided us through the new property purchase with great expertise, answered our questions in a thoughtful and timely way. We came to her at the last minute, one day before making offer to buy a new property. Julie was very knowledgeable and quick to communicate with us during the whole process.
Jun 23, 2020
Pastor
I really appreciated Julie's proactive stance in getting everything done and checked so that closing went smoothly. She communicated and coached us through each step of the process so we were confident of where we were and what was happening next - this made for a no-surprise experience.
Apr 4, 2020
Software Engineer at Apple
Julie was very much ontop of the mortgage process and absolutely wonderful to work with. Her team was in constant communication with me and kept me and the process on track. Very professional and easy to work with. Highly recommend!
Apr 2, 2020
Attorney
Julie was great on helping navigate us during a time when rates were down and we were thinking of waiting for a further drop. We took her advice and ended up with a great rate and being able to complete our loan when others were in a holding pattern as a result of rate changes and shelter in place.

Aside from that, she is really good about addressing my concerns or lack of education with the process. From the borrowers side, it feels backwards or lacking logic and she is able to put it into perspective and keep things moving without leaving us feeling rushed or nervous.

Thank you again for another successful loan!
Mar 5, 2020
Director of Product Management
Julie did an absolutely amazing job walking me through all the practical and technical aspects of the process of buying my first home. She sat there and patiently explained all the risks and benefits of the options available, and really just made what would be an otherwise chaotic process orderly and simple, especially for a first timer, even more especially in a market that's downright crazy.

Every step along the way was made dramatically more pleasant by her hard work, and when I worked with her on a subsequent re-finance it was more of the same: simple and easy to understand discussions about pros/cons of different options followed by a painless closing.
Dec 30, 2019
Julie has enormous persistence, and succeeded in closing a deal that was improbable! Thanks to her, I am a homeowner. Her attention to detail and commitment to making it work are the reason. Thanks Julie!
Dec 18, 2019
Julie is relentless and really knows her stuff! It was a hard situation to finance but she found a way to make it work.
Sep 4, 2019
Working woman.
Julie is an excellent person of great human quality and an excellent professional I really recommend her as you Guaranteed Rate Affinity, committed to her work, with a great team, she is wonderful, she helped my family made one of our dream come true... Thanks Julie Schumer-McMahon... .
Oct 29, 2018
Utility Worker
What a smooth process! Julie's kindness and knowledge made the home loan process so easy. Whenever I had a question or concern she always picked up her phone or responded right away. I honestly will not use anybody but Julie for my next loan. Thanks Julie!!!
Oct 29, 2018
Director of Product
Julie was fantastic to work with to purchase our first home in the Bay Area. Unlike a different lender we had previously worked with, Julie did more than just crunch numbers. She took the time to understand our financial situations and presented an array of options for us to be ready with depending on the home and price.

Her communication is clear and very timely and she helped us get all of our necessary records in order so the closing was drama free and like clockwork. I'd highly recommend her and absolutely will use her for future home purchases.
Jun 29, 2018
Nurse
Julie is incredibly thorough, detail oriented and unbelievably saavy! She helped my fiancé and I with a large lon for our first home and ran the numbers every which way possible to make sure we were getting the best deal! She was always available to talk and made sure we were informed every step of the way. I highly recommend Julie and would absolutely use her again! She did a fantastic job! Thank you so much :)
Jun 24, 2018
Design Researcher
Julie was amazing to work with. She is very knowledgeable and will spend time answering your questions and making sure you are comfortable. I felt confident that I was getting the best loan possible and I would highly recommend her.
Sep 21, 2017
Julie was absolutely instrumental in the closing of my home! She has tremendous expertise and as a first-time home buyer she patiently walked me through every step of the way. She was incredibly proactive and always one step ahead. Additionally, Julie was such a pleasure to work with, always so responsive and with a positive attitude through the whole process. We were able to get the loan through in advance of a 21day closing. All of my friends were so impressed by how quickly it was done and how efficient and seamless it felt - I owe this all to Julie and have already recommended her to several friends. It was truly a pleasure working with Julie!!
Jul 7, 2017
HVAC Contractor
She never gives up, any possible resource available she will find it, has connections in the business of many years. Lenders are stricter than ever so you need some who knows the ropes. Very happy with the results and especially the property.
May 26, 2017
Julie made our dream come true! Without her we would not own a new house today. So many thanks go to her and of course we will not hesitate to use her again and refer all our friends and family. Julie wasn't only instrumental in our transaction, she was also dedicated, tenacious, knowledgeable, professional and kind.
May 9, 2017
We recently purchased a home in Redwood City, and bumped up against the many regulations and options involved in the process of securing a loan. Thanks to Julie, she guided us through the maze and helped us get an excellent loan. Julie kept us and the many details on track so we kept to our aggressive timeline. Thanks, Julie for doing such a great job. We would highly recommend you to others looking to buy a home.
Apr 30, 2017
Buying a home is an extremely challenging process. Julie has been very helpful and patient with us, as first time home buyers. We learned a lot from her about the whole lending process. She answered promptly each and every question that we asked, and provided lots of details about pros and cons of each option available to us. With her guidance, we believe we made the right choices and closed the deal sooner that we expected.

Julie's experience and in-depth knowledge of the lending process, and most importantly her sincerity gave us the utmost confidence for the task ahead of us. Because of her, the whole escrow process went very smoothly, and we haven't had any obstacles. We would definitely work with Julie again when we are ready for our next venture. We highly recommend her to anyone who is looking for a trustworthy loan officer.

Thank you so much Julie. We truly appreciate all your help and guidance.

Best wishes,
Zeynep & Burc
Jan 21, 2017
Managing Partner
Julie was a fantastic! She has a wealth of experience. She provides excellent counsel and service in a candid manner. As a first time buyer, she was helpful walking me through an unfamiliar process. I would highly recommend Julie to friends, family and clients alike!
Jan 12, 2017
Julie Schumer-McMahon is one amazing woman! She helped us get our dream home. She worked with us for a couple of months and the whole time she was there with a helping hand. She goes above and beyond in getting us the right loan. She responded to my emails and calls right away and her recommendations were so informative. She has a caring and charismatic personality. I had a great experience with Julie & I highly recommend her to anyone.
Oct 5, 2016
Julie demonstrated a strong knowledge of the industry and the recent rules that benefited us in achieving the correct loan for our situation. Also, her availability and timely responses extended to the weekends and her vacation! She also has a strong knowledge of the title filing the accelerated the signing of the closing documents.

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