Julie Baxter

Mortgage Advisor HSL Intero
Julie is an experienced, capable and conscientious mortgage advisor with over two decades of service. She has been offering excellence in lending since 1986. With this tenure, she fully understands the needs of the client and works diligently to ensure that her borrowers make the right choice for themselves and their families.

Julie’s clients are her number one responsibility. She represents each one with the utmost integrity, excellence and determination. These values have driven her success and earned her the description of “Your Lender for Life”. Julie strives to create a personalized experience for each of her clients, one that will compel them to reach out to her for any future mortgage needs.

Julie has 28 years of expertise as both a broker and a banker. She also has access to hundreds of loan options using the latest technology, ensuring fast loan approvals.

Julie was born and raised in California. She attended local universities for both her undergraduate and graduate degrees.
Sep 26, 2016
Director, Research and Development
We highly recommend Julie. Julie easily got us through a challenging loan process. We were thankful for her knowledge and patience in making the process go so smoothly.
Oct 6, 2015
First-time Home Buyer
I was introduced to Julie by my agent last year when I was looking to buy my first home. First of all, I was a very naive client (I knew nothing about loans, mortgage, nor anything that involves in the process), but with Julie's help, I was able to upgrade my title to "Home Owner!" Although we communicated mostly via email, Julie was able to explain all the details and walk me through every step of the process. Not only was she thorough (and super fast!), Julie was able to help me correct and confront all the "hiccups" I encountered along the way. I highly recommend and would definitely work with Julie again, given the opportunity. You are in good hands with Julie!
Oct 6, 2015
Realtor, SRES, ABR, QSC
I have worked with Julie on numerous occasions. And each transaction has been a positive experience for my buyers, title and me. She is always communicative to all parties involved and available 24x7. Docs are always on time and often early. There is never a delay to the close of escrow. She not only meets but exceeds expectations.
Oct 6, 2015
HR director
Julie Baxter is the most responsive person I know and on top of things like no one else; she responds to emails asap especially in the middle of the night . She got us great deals and informed us of all steps and made it easy. I highly recommend her. We have refinanced at least 5 times with her
Oct 6, 2015
Great job. Was difficult deal, 2 houses sold one to buy.

Went smooth.

Regards,

Dave
Oct 5, 2015
Attorney
Julie did a great job on my refinance. I am self-employed and getting the proper documentation to satisfy the lender was a challenge. Julie was always available to answer questions and with great advice on how to deal with all of the glitches in the process.
Oct 2, 2015
Julie is an amazingly responsible professional! She knew answers to each and every question addressed to her. Thanks to her, we were able to buy a beautiful house! Very responsive, dedicated, and enthusiastic! I would highly recommend her!
Sep 29, 2015
Home buyer
Mrs. Julie Baxter did a great job closing my house loan on time. Not many people agreed to give me loan because I had another property but she was confident and did it. She pushed my agent periodically per my request. She advised me whenever i called her during late night and weekend. I asked same question again and again but she never got tired of answering my dumb question.
I wouldn't be able to close my loan on time without issue if Julie wasn't there. I really appreciate whatever she did for me. So, I recommend Julie for other as well.
Thank you and God bless you, Julie.
Ratan k ghosh
Sep 28, 2015
Teacher
I heartily recommend Julie. She was able to consolidate my principal and subordinate loans into one convenient loan saving me hundreds of dollars per month. She went the extra mile by working around my schedule including emailing in the evenings and on weekends. I never even had to go into her office. She always made the trip to my place. The web site was super convenient and allowed for a transparent experience.
I will definitley use Julie for any future mortgage needs.
Sep 28, 2015
Julie did an amazing job on the refi of my existing mortgage. She was on top of the process every second of the way and knew exactly what was going on at all times. It was the easiest and fastest experience I have had and I will use her exclusively in the future for all of my real estate financing needs. I have also recommended her to all of my friends and family and they have ha the same experience!

Originally Written on 09/10/2013
Sep 28, 2015
I recently refinanced my home loan through Julie Baxter. Her expertise and knowledge in the business was immeasurable. She enabled me to complete my loan from the comfort of my living room. When I was unable to copy documents because of the lack of a fax machine, she came to my home, picked up the documents, copied them and returned them to me by express mail all within days. We were able to communicate by phone and send additional documents needed using PDF's, something I knew nothing about until she taught me. When we came to a bump in the road and I thought all was lost, SHE continually fought for me and got me over the hump. In the end she enabled me to save a $1000.00 a month with the closing of my loan. There are no adequate or befitting words to express my heartfelt gratitude to Julie Baxter for the ease in which my loan was obtained. I would recommend Julie to anyone and everyone who is in need of a home loan, even if you don't think it's a possibility.

Originally Written on 9/10/2013
Sep 28, 2015
We've counted on Julie Baxter over and over for our various mortgage and refinance needs. She has got to be one of the most hard working, reliable and honest brokers we've ever worked with. She definitely knows how to find the deals. She's prompt with return emails and phone. I've recommended her to friends and family a few times. We found her through a recommendation as well.

Originally Written on 09/11/2013
Sep 28, 2015
Julie is simply the most thorough, trustworthy, and competent financing person you could want on your real estate "team". It is not news when I say buying a house is REALLY stressful. Real estate agents come and go, but someone who lines up your financing can be with you forever... if they are good. Really good. It is an absolute joy to have someone who I know--absolutely know--will not spring a nasty ($$$) surprise on me as escrow approaches closing. You know the feeling... when it's too late to do anything but grit the teeth and grab the checkbook.

I've worked with Julie about 20 years on more than a dozen loans. I've referred at least a dozen people to her over the years (I've lost count) and have never received feedback other than complete satisfaction. As far as I hear, Julie continues to provide their real estate purchase financing needs.

P.S. A good working relationship is a two-way street. You need to hold up your side of the bargain with complete and honest disclosure of your financial qualifications, so that Julie can provide the excellent financial product, service and advice everyone deserves.

Originally Written on 09/10/2013
Sep 28, 2015
We've counted on Julie Baxter over and over for our various mortgage and refinance needs. She has got to be one of the most hard working, reliable and honest brokers we've ever worked with. She definitely knows how to find the deals. She's prompt with return emails and phone. I've recommended her to friends and family a few times. We found her through a recommendation as well.

Originally Written on 09/11/2013
Sep 28, 2015
I was referred to Julie Baxter by my co-worker. And I must say, this is probably the best referral I've ever received.

Julie was not only beyond helpful, but she was insanely responsive. Emails and phone calls were returned surprisingly fast, and any information we needed was conveyed to us in a manner which we could easily understand. She also kept us apprised as to deadlines, has a notary meet us at our home to save us time, and has kept in touch with us all the way until now when our first payment was due.

Amazing service. Outstanding person to deal with. Kind, patient, and brilliantly good at what she does. I will definitely be calling her back when it's time to buy a new home, or a 2nd home!

Originally Written on 09/16/2013