Julie Sams

Sr. Loan Officer Empire Home Loans Inc NMLS 109565

With over 35 years of dedicated experience in the mortgage industry, I have proudly served clients across Washington state and beyond, guiding them through the complexities of home financing. My extensive knowledge of the local market and comprehensive understanding of various loan products empower me to provide tailored solutions that meet the unique needs of every borrower.

I believe in building lasting relationships with my clients, and I'm happy to call them my friends! I take the time to understand their goals and provide honest, clear communication throughout the loan process.

When I'm not helping clients secure their home financing, you can find me playing golf with my husband, walking in the woods with my dog, Sally (famous squirrel hunter), traveling, or spending time with family and friends.

I look forward to helping you navigate your home financing journey!

Recommendations 104

3 days ago

Danielle H

Teacher

★ ★ ★ ★ ★

My husband and I were first time home buyers and very nervous about the whole process. Julie was so supportive, helpful, reassuring, and kind throughout the purchase. She was detailed and prompt with answering questions or concerns anytime of day. She also shared her expertise and advice to help us make the right choice or assure us in next steps. We are grateful we picked her for this journey!

Aug 5, 2026

Alex M

Educator

★ ★ ★ ★ ★

Julie helped us navigate all the unknowns of being a first time homebuyer. She was patient with any and all questions and was upfront with everything going on. Couldn't recommend any one better!

Mar 31, 2026

Brent R

★ ★ ★ ★ ★

Thank you for making the loan process easy and answering all my questions within minutes of texting or emailing.

Mar 31, 2026

Bpolender1

★ ★ ★ ★ ★

Julie was great to work with. She was always available to work us through the home buying process and to adjust as needed to keep up with our constantly changing plans. In the midst of a pandemic that made everything difficult to predict, Julie was a source of calm & accurate information. Would absolutely recommend!

Mar 31, 2026

Anders I

★ ★ ★ ★ ★

As a buyer's agent in the Tacoma area, my clients have hired Julie on several occasions. She and her team were consistently accessible, fast, and well-versed on the lending issues we needed to close on time. Very happy to have worked with her.

Mar 31, 2026

Mohamed I

★ ★ ★ ★ ★

Julie and her team did an excellent job. With her help, we were able to close in 23 days. She has been with us every step through the process. Even during her time off, she would follow up with us and answers our questions. Would definitely recommend her and her team for all your mortgage needs.

Mar 31, 2026

Kyle C (J C)

★ ★ ★ ★ ★

Julie was absolutely wonderful to work with and so helpful. Insightful, kept us updated constantly on the status of our loan, quick to respond, and overall went above and beyond to ensure we got the absolute best home loan.
Would gladly work with her and the rest of APM again.

Mar 31, 2026

Kathryn P

★ ★ ★ ★ ★

Julie Sams has received a review with 5 star rating from Kathryn P

Mar 31, 2026

Mashayla M

★ ★ ★ ★ ★

Julie is such a wonderful person to work with! We have been in our home for 2 years now & Julie made our refi so easy and still just checks on us to see how things are going. I recommend her & Kelsey to anyone looking to buy a
home!

Mar 31, 2026

Alicia C

★ ★ ★ ★ ★

My husband and I worked with Julie and her assistant Kelsey. They came highly recommended, especially since we need someone with experience with the Washington State Down Payment Assistance Loans. Julie and Kelsey took
the time to answer all of our questions and concerns (we had a lot). They worked above and beyond with us and we know we got the best rates and loans from them. We owe them so much for helping us purchase our first home!
Highly, highly recommended!

Mar 31, 2026

Kandace E

★ ★ ★ ★ ★

Julie and the team at American Pacific Mortgage were such a pleasure to work with! My husband and I recently relocated out of state and Julie made the process stress free. We were able to handle all details virtually up until final signing. The team was incredibly organized and pro-active so it made gathering and submitting documents a breeze. Julie is so friendly and warm which are traits you hope the people you work with possess when dealing with a large financial transaction. We would highly recommend her to anyone in the market for mortgage financing.

Mar 31, 2026

Tim S

★ ★ ★ ★ ★

Julie Sams at American Pacific Mortgage was tremendously helpful in working through a challenging refinance. She was quick to respond, diligent in her follow-up, and in the end, she got the deal done and exceeded our
expectations.

Mar 31, 2026

Lance T

★ ★ ★ ★ ★

I have used Julie since 1995 as my mortgage person. She helped me buy my first house and has guided me through multiple refinances since then. She is always friendly, honest, and helpful.

Mar 31, 2026

Robert S

★ ★ ★ ★ ★

Julie was extremely helpful in the process of buying my first home. We are settled in now and have enjoyed it immensely. Julie and American Pacific Mortgage made it an easy job for us, with zero headaches or hassles. This transaction was exactly the way I had hoped it would be, I will certainly use her and her team in any similar future endeavors.

Mar 31, 2026

Bradley C

★ ★ ★ ★ ★

I've used Julie for ever home loan and refinance I have ever done. She really goes the extra mile for you. The level of service is incredible. She has saved us so much money over the years. She is always happy to hear from us too,
and doesn't mind me calling her with random questions whenever I feel the need. She always gives a straight and honest answer. She also has a great team of people who work with her. And her knowledge about home loans is
unsurpassed. I highly recommend contacting her for all of your home loan needs.

Mar 31, 2026

John K

★ ★ ★ ★ ★

Julie is absolutely outstanding. I’ve worked with her in the past and found her to be the very best! We have purchased fifteen properties and Julie is by far and away the most competent mortgage broker we have found! She also is very personable and a great friend! Jack Kingery

Mar 31, 2026

Larry L

★ ★ ★ ★ ★

Julie and her team were wonderful to work with throughout the entire process. It took us 8 months and multiple offers to find and win a home. Julie was always there for us on every home, weekdays & weekends. Julie was quick,
professional, and knowledgeable throughout the process. I would absolutely use her again, in a heartbeat. It is a pleasure to work with someone you can really trust!

Mar 31, 2026

Nida M

★ ★ ★ ★ ★

Started working with Julie in 2016 on a purchase and have been in contact with her over the years about refinance, HELOCs, and other investments. She always was willing to listen, go over options, and send resources. Recently we found an investment and knew who to go to. We were glad to have Julie and Kelsey helping us through the process. Our situation was a little complex, but they were patient, always available to answer our questions, and worked through some frustrating moments. We appreciate you both and looking forward to the next purchase.

Mar 31, 2026

Mike C

★ ★ ★ ★ ★

Highly recommend Julie and Kelsey - they work hard to get it done... This is my second time working with them and both times I was very impressed on the ease, help, and quick turn around.

Mar 31, 2026

Zach C

★ ★ ★ ★ ★

Julie Sams has received a review with 5 star rating from Zach C

Mar 31, 2026

Greg C

★ ★ ★ ★ ★

Julie is a pleasure to deal with. Very communicative and helpful. I will work with her again in the future. I am sure of it.

Mar 31, 2026

Jeremy R

★ ★ ★ ★ ★

Julie and Kelsey took all of the financing stress out of the home buying process. they make you feel like you are their only client. They educate you and advocate for you so that you make the best decision for your situation. We have worked with Julie twice and will never work with anyone else. I highly recommend Julie!

Mar 31, 2026

Kristin R

★ ★ ★ ★ ★

I have gone through the mortgage process twice now with Julie and she has been wonderful to work with every time! She is knowledgeable and takes time to answer questions and her communication is excellent! I would highly
recommend Julie and the Bryte home loans team!

Mar 31, 2026

Amy M M

Gig Harbor, WA

★ ★ ★ ★ ★

Julie and her team were supportive and friendly. They were informative and kind. I am so glad that I came with her when she moved companies.

Mar 31, 2026

Amy E

Gig Harbor, WA

★ ★ ★ ★ ★

Everyone involved were very helpful and guided me through the process. Made it easy to understand and answered all my questions (1st time home buyer)