Frequently Asked Questions
Frequently Asked Questions (FAQ)
Getting Started
Is the inquiry form a mortgage application?
No. The inquiry form is not a mortgage application. It is used to collect initial information about your current situation so we can understand where you stand in the mortgage process. If it makes sense to proceed, the official mortgage application is completed separately at a later stage.
What happens after I submit the inquiry form?
Your information is reviewed by a licensed mortgage advisor. Based on your profile, we determine which loan programs and lenders may be appropriate and outline the next steps required to move forward.
How much information do I need to provide upfront?
Only basic information is required at the inquiry stage. Additional documentation is requested later, once suitable loan options are identified.
Lenders & Loan Options
Why do you work with more than 285 lenders?
Working with more than 285 lenders allows access to a wide range of mortgage programs. This approach provides flexibility and helps identify solutions tailored to each borrower’s financial profile rather than offering a single product.
Does working with multiple lenders mean my information is sent everywhere?
No. Your information is reviewed carefully and shared only when appropriate. Lender selection is intentional and based on your specific situation, not mass submission.
What types of mortgage programs are available?
Available programs may include conventional loans, FHA, VA, USDA, jumbo loans, non-QM options, self-employed programs, and low down payment solutions, depending on eligibility and lender guidelines.
Can you help if traditional bank loans are not an option for me?
Yes. Many lenders offer alternative programs for borrowers with non-traditional income, complex financial situations, or credit challenges.
Credit, Income & Financial Situations
Do you work with borrowers who have less-than-perfect credit?
Yes. Credit score is one factor among many. Income, assets, and overall financial stability are also considered when evaluating available options.
Can self-employed borrowers qualify for a mortgage?
Yes. There are programs specifically designed for self-employed borrowers, including bank statement loans and alternative documentation options.
What if my income has changed recently?
Recent income changes do not automatically disqualify you. Each situation is evaluated individually to determine potential solutions.
Buying & Refinancing
Do you work with first-time homebuyers?
Yes. First-time homebuyers are guided through the process, including understanding loan options, documentation requirements, and expected timelines.
Can you help with refinancing an existing mortgage?
Yes. Assistance is available for rate-and-term refinancing, cash-out refinancing, and restructuring existing loans when appropriate.
How do I know if refinancing makes sense for me?
That depends on your current loan terms, financial goals, and market conditions. The inquiry process helps determine whether refinancing may be beneficial.
Process & Timing
How long does the mortgage process take?
Timelines vary depending on the loan program, documentation, and lender requirements. Access to multiple lenders helps streamline the process when possible.
Can you help if I have a tight closing timeline?
Yes. Certain lenders and programs are better suited for shorter timelines. This is assessed during the review process.
Do you work with purchase contracts that have closing deadlines?
Yes. Contract timelines are considered when evaluating lenders and loan programs.
Privacy & Communication
How is my personal information handled?
Your information is handled securely and used only for mortgage-related purposes. It is not sold or shared indiscriminately.
Will I be contacted by multiple agents or call centers?
No. Communication is direct and intentional. You will not receive mass outreach or automated call-center contact.
Licensing & Disclosure
Are you a bank or a lender?
No. Mortgage with Julia is operated by licensed mortgage advisor Julia Klain (NMLS #1853956), who is sponsored by NEXA Mortgage, a licensed nationwide mortgage brokerage. All loan programs are offered through NEXA’s approved lender network, providing access to multiple options rather than a single institution.
Do you work nationwide?
Lender access is nationwide. Borrower assistance depends on state licensing and program availability.
Do I need to pay anything upfront?
No. Submitting the inquiry form is completely free. If you decide to move forward after the initial review, the only upfront cost is for your credit report. At that stage, you will be provided with a secure link where the payment can be completed directly using your credit card.
Next Steps
How do I begin the process?
Start by completing the inquiry form. This allows for an initial review and helps determine appropriate next steps based on your situation.