Julie Horgan

Loan Consultant HomeStreet Federal Way Home Loan Center NMLS: 698246

With over 25 years in the mortgage industry, I have worked both in operations early on, and then into my current role as a Loan Consultant. With my vast knowledge of mortgage business, I feel I can assist people in choosing the right loan that best suits their needs.

I also provide assistance in helping clients plan for a loan in their future if they are not ready to move forward at the present time for whatever reason. Customer service is very important to me - my goal would be to make a customer for life, not just during the time of the transaction!

I specialize in:
All Loan Types: Conventional-FHA-VA
First-Time Homebuyers
Renovation Loans
May 16, 2023
Julie was extremely helpful throughout the application, underwriting and finalization process. She was patient with my questions and helped sort through several matters in the underwriting process. Our financial holdings are complicated and Julie helped with the underwriting process which I'm certain was a helpful factor to get things closed. Julie also assisted us shortly before closing by conveying our views and our financial condition to the loan officers and helped us secure, what we felt, was a fair rate. While I never met with Julie in person, she kept us updated and informed throughout the process. Communication was a strong factor to get us through. Julie was a pleasure to work with.
May 16, 2023
Julie has handled a few transactions for us now, and each experience has been stellar. She's always so patient with all our questions and makes herself available for them. She is a pleasure to work with.
Dec 28, 2022
Julie was so great to work with, she is amazing and really helpful.
I would highly recommended Julie.
Aug 9, 2022
I reached out to Julie for help with obtaining a home loan. My wife and I wanted to start looking and we are very thankful we went through her for the process. Every step of the way our answers were quickly given a response to. From the start to the end Julie had our back and I really don't think we could have done it without her support. If you are looking for someone to help you with your home loan, I highly recommend Julie!
Aug 4, 2022
Branch Manager
Julie was so great to work with ! Was very knowledgeable and communicated well throughout our process and was very pleasant ! Thank you again !
Jul 5, 2022
We have worked with Julie for multiple home loans in the past 5 years. Her level of knowledge and professionalism are excellent. She is quick to communicate and respond, and give us solid answers to all questions no matter how mundane. Julie has advocated for us when the situation went sideways and was able to obtain a favorable decision from the lender for us.

Love her to pieces and recommend that anyone interested in home lending give her a call!
Jul 5, 2022
Julie was very expedient about everything always on top of things she’s an amazing Loan Consultant
Jan 18, 2022
Financial specialist 2
We just wanna express our sincere gratitude for Julie‘s assistance throughout the whole loan process, we certainly recommend her services to anyone I know who needs a mortgage loan, she makes everything so easy as we have always come to her and see her for a mortgage needs. it was an absolute pleasure working with her thank you for always making it a pleasurable experience
Jan 13, 2022
She is so pleasant and great to work with! She is very knowledgeable, can answer any of your questions you might have. Smooth process and she will work with you step by step until loan is finalize. Don't hesitate give her a call right now!
Dec 20, 2021
Julie was amazing throughout my refi. She had all the answers to my many questions, laid out a clear path, and guided me along that path like a pro! This was my first remote / online mortgage experience and it felt like the most natural thing in the world. I'm grateful for Julie's kindness and expertise and will seek her out for future mortgage needs!
Nov 24, 2021
When my friend introduce to me to Julie, I was a bit skeptical, but the first time I spoke to Julie about our mortgage needs, I knew she will be a good help...she's not only a good loan officer, she's a good listener and made us feel very important throughout the process..Julie exceeded beyond our expectation, she's always reachable anytime we need her, and she deliver the process on time..Thanks Julie...
Nov 10, 2021
Julie has been outstanding, very professional , and supper helpful in explaining the process you go through when buying a home. As a first time home buyer Home Street Banks newest tv commercial about a first time buyer is very much relatable. Julie has made this experience actually enjoyable which I thought could never happen and has walked us through every procedure without making us feel stupid. Home Street Bank is lucky to have an employee like this! Thanks so much, Dave and Jesse
Nov 1, 2021
Medical Assistant
I already have recommended Julie to all of my friends and family that are looking to get any sort of home loans in the future. Julie was instrumental in understanding what was going on, at all times.

The thing I appreciated the most was how Julie really made me and my wife feel comfortable to reach her at any time, and so she really was accessible at all reasonable times.

I know that all agents I may cross in the future will not compare to the care, knowledge, and courtesy that we experienced with having Julie at our backs!
Oct 31, 2021
Home owner
Julie is wonderful, it was definitely a pleasure and a gift to work with her. Julie is very professional and friendly. She knows what she is doing and from her dedication and perseverance you can tell that she takes pride in her work, has a lot of experience, and definitely cares about her clients. Julie went above and beyond for my family if it wasn't for her knowledge, skills, and will to provide the best for our family we would not have gotten the home that we are in today. Julie worked very hard to help us get our home, she even spent time working during her own personal life events. We were truly blessed to work with Julie and have her apart of our team. I would recommend her to anyone! We love our home and we thank her for all her hard work and for helping us make our dream come true! Lots of love and hugs for Julie
Oct 29, 2021
I have been working with Julie Hogan, for at the least two of our refi’s. Doing a loan, what ever kind, seems like it is never an easy process
Julie has always been very patient and understanding with all the questions that I had .
Julie was able to clearly explain the processes and has been very helpful walking us through the no contact process
She is the type of person that takes the problems and errors and delays very personally as if it was happening to her. She is very knowledgeable in the process of her job
She has always really made us feel like we are family . I would recommend her completely
Sep 22, 2021
Julie Horgan is simply amazing! I have worked with her several times over the last 15 yrs, and whether it was a purchase or refinance, she helped me navigate the transactions with ease. She was very thorough in her explanations and kept me updated on timelines. Recently, I decided to go with a VA refinance and once again, Julie was on top of things. She checked with the VA to make sure we were adhering to the most recent guidelines and that I was indeed eligible. Julie has always treated me with courtesy, patience, and respect even though I asked lots of questions. She is a true asset to HomeStreet Bank, and I look forward to working with her again on our next home purchase!
Apr 19, 2021
Assembler 1 @ Exotic Metals
We've worked with Julie in the past and have kept in touch since our first successful transaction. When the opportunity to refinance our home became a possibility, my wife and I didn't hesitate to reach out to Julie. It's always been like working with a friend we 100% trust. I've personally referred Julie to several friends that are in the market for a house or just had questions on what options are available. If we ever need any financial advise, Julie will always be our go to.
Mar 22, 2021
I had a great experience with my refinance. I have been thru this process a few times in my life and this one was very painless. Julie was very clear with her requests and very prompt with her responses. A very smooth process. Thanks!
Mar 17, 2021
Julie has been great to work with, so good in fact, that we have used her twice in the last couple of years. She has been very professional and responsive to all of our questions. My wife and I would highly recommend her for any home refinance or purchase loans.
Feb 22, 2021
I was recommend Julie to anyone looking to refinance! She responded to my inquiry in a timely manner and was always prompt with her responses. Julie provided updates often on the process and was very flexible.
Jan 18, 2021
I have used Julie multiple times. I continue to use her because she is professional and extremely responsive. She keeps the process moving and doesnt overcommunicate but is always there when any questions come up. Makes the whole process very effortless. I will use her again and would recommend the same to anyone looking for a home loan or refi.
Jan 15, 2021
Julie Horgan recently helped us refinance our house. We wanted to refinance our house, and a friend recommended Julie to us. She assisted us from application to closing. She made sure we understood everything we signed and explained each term. She made everything easy for us. We couldn’t do it without her knowledgeable assistance. Thank you Julie!
Jan 5, 2021
Julie has helped my husband and I with two home sales, and she was fantastic in both! We had some difficult circumstances she was really great at navigating and helped us compile all necessary items to move forward. Julie is reliable, organized, communicative and very helpful in educating us as new home buyers. She checked in with us many times to keep things moving and on track. I would absolutely recommend Julie, it is sure to be a good experience in her hands.
Dec 14, 2020
Operations Manager
Julie is not only knowledgeable she is a great communicator and helpful thorough the entire process. I would highly recommend Julie!
Jul 26, 2020
Julie did a great job during our refinance. She kept us up to date through out the process. Was always available when ever we had any questions. As an engineer I can be a bit anal. Her knowledge of the process enabled her to always promptly and satisfactorily answered all my questions. I would whole heartily recommend Julie to anyone that is looking into refinancing their home.