Colorado | Oregon | Washington

Julia Garriott, MBA

Loan Officer
Your Mortgage Gal
NMLS #487451
(503) 730-9090
[email protected]

Julia Garriott: Your Trusted Mortgage Expert

With over 18 years in the mortgage industry, Julia Garriott, MBA and YOUR MORTGAGE GAL has the knowledge and commitment needed to create a streamlined loan process for everyone. Her years of experience allow her to offer a range of loan solutions for her many clients. These solutions include:

  • First-time home purchases
  • Second-home/investment purchases
  • Jumbo loan financing
  • Multi-unit purchases

Julia’s business is 100% referral driven, dedicating herself fully to her clients, facilitating a smooth experience from start to finish. She believes relationships are more important than transactions and her motto of “”taking the fear out”” of the loan process through communication and education helps to create lasting relationships with her clients.

When Julia is not helping clients, she enjoys spending time with her son, running traveling, and reading. Let Julia’s dedication and knowledge take the fear out of the mortgage process for you!

My Services

Personal Loan Advisor

I am happy to help you on your journey!

Low, Competitive Rates

I will compare from several sources to get you the lowest rate.

Top Service

I will help you choose the best loan for you.

Julia is incredible! She is so professional, always going the extra mile to support her clients both on and off hours. She knows how to consistently make the lending process simpler and easier to understand. And most importantly, she gets the mortgage job done! I know I can confidently send any family member or friend to her, and she will care for them without fail.


– Arjuna Matt Van Auken

Julia is knowledgeable, approachable, and incredibly efficient. She will guide you through every step of the process, answering all your questions with patience and expertise. Her dedication to her clients’ success is truly commendable. You couldn’t have a smoother or more personalised experience. Highly recommend Julia for anyone navigating the home loan process!


– Janna Kainos

As a Realtor, it is crucial to have a lender who you can trust will get the job done correctly and be an amazing teammate for the client. Julia did that and so much more! I recommend her to anyone who needs a lender and love working with her. She made the buying process for my client so easy and was very helpful.


– Emily Watson

Julia is amazing! She treats her clients like family and will go above and beyond to make sure her clients get the right loan for the right fit! I will always go to her for my future home loans. Thank you Julia for all you have done for me and my family!


– Dan Doty

Julia was a dream to work with! She’s friendly, professional, and incredibly knowledgeable about the home loan process. She was quick with reply’s to all our questions and helped us get our dream
home quicker than we thought possible!


– K Stickel

Julia is such a Godsend! She answers her phone outside of regular business hours and always puts her client’s best interests first to make the home process smooth. I have friends who also used Julia, and they all rave about what a lovely person she is and how much she’s helped them. I’ve never met a mortgage gal quite like her. Thanks for everything, Julia!!!


– Michelle Monsivais

As a realtor, I have met and worked with many mortgage lenders.  Julia is just amazing!  She is knowledgeable, experienced and cares so much for her clients…plus she is a very kind person.  She works hard to make sure her clients have the best rate she can get for them and the most appropriate loan product.  And during a transaction, her communication with all parties is outstanding.  If you need a mortgage loan, I highly recommend Julia!


– Tanya Christensen

I am so thankful I was connected to Julia as a first-time homebuyer. She is incredibly supportive and accessible every step of the way. Julia helped me secure a home in less than 30 days, making what could have been a stressful process feel seamless. She took the time to educate me on the ins and outs of home buying without any judgment, which was invaluable. Her professionalism, patience, and dedication made all the difference. I will absolutely be working with her again and highly recommend her to anyone looking for a trustworthy and knowledgeable lender!


– Meleah Nordquist

Julia is amazing! She gave us all of our options and thought of things that would not have occurred to us. I would highly recommend her to anyone!


– Jane Taylor