GuaranteedRate - Mortgage Company

Julius Barrutia

Vice President of Mortgage Lending
320 W. Ohio St, Suites 1E & 410, Chicago, IL 60654
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NMLS: 191744
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TestimonialsCustomer testimonials Read more

Julius Baruttia was awesome. He let us know exactly what e needed upfront and once we got the documents together out loan funded very quickly! He was very professional and curious. We had many questions and he was always available and responded very very fast each time. He is a true professional and we will be using him again!

Piotr G. – Bartlett, IL | AUG 2015

Julius was great and informative along the way

Vincent G. – Chicago, IL | June 2015

Multiple refinancing opportunities with Guaranteed Rate and the service and guidance provided by Julius Barrutia. Julius is an excellent resource.

Robert W. - Batavia, IL | Dec. 2014

Julius was very patient,always responded promptly and provided very detailed answers to my questions. The process moved along fairly quickly.

Robert W. -- Chicago, IL. 10/1/2014

Customer service from beginning to end was outstanding. From start to finish, we were extremely happy with our loan team. Everybody worked as hard as we did to buy our home, thanks so much.

Dominic R.

Julius was referred to me by my Realtor and I couldn't have been happier with my experience. Julius and his team took the time to explain every nuance and where always there to answer questions. I'd highly recommend him to anyone in the market for a mortgage.

Peter H.

Julius is trustworthy and reliable. He treats my clients with respect and makes himself available 24 hours a day. He is an important part of my team. He makes sure he finds the right mortgage program to fit every client and he closes the deal. He is always there with his knowledge to guide us through the mortgage changes in today's real estate market.

Becky S.

After my trusted mortgage broker moved out of state, it took me almost two years to find Julius, but I am very happy that I did. We have worked together on a number of real estate transactions and he is professional, provides excellent knowledge and customer service and is reliable. I trust him and his abilities and that is extremely important in this market. I would recommend Julius to anyone who is looking to buy real estate or refinance a mortgage. He has the ability to explain the...

Heather S.

We worked with Julius for a purchase of our new home. We had several options available to us and he helped us through the ins and outs of all of the options, was honest and forthright. He was very responsive and cared about us a people and a family. I would recommend him to anyone and will not hesitate to use him in the future!

Sandra M.

I would definitely recommend Julius and Guaranteed Rate. Julius is a very hard working individual and communicator. He brings a strong desire to provide expertise and service to his clients. He is able to find good solutions to problems. He is happy to explain every step and process in detail to ensure that the client feels good every step of the way. Julius goes above above and beyond for his clients. If you are a first time buyer, refinancing or buying another property call Julius!

Assunta S.

Julius is a reliable and trustworthy person that I go to with all of my mortgage needs. I have and will continue to refer him to all of my clients, friends, and family.

Nick F.

Having done business with Julius on several occasions, I would definitely recommend him to others. He is extremely knowledgeable, personable, and efficient. Julius always answers calls and emails quickly, and makes you feel like your his top priority.

Joan C.

Julius was very helpful assisting my clients finance their new home. He is very knowledgeable of his industry and I would recommend him to anyone.

Kim L.

Julius was great to work with. He listened to our needs, was personable,and importantly, was timely.

Stephen W.

Julius is fantastic to work with. He has strong expertise in mortgages and lending. He is honest, hard working and conscientious.

James H.

Julius is one of the best mortgage originators I have worked with in Chicago. He has a vast knowledge of the mortgage market and provides a wide array of solutions. He provides a high-level of attention to each client that I have referred to him, which all have responded positively. It's easy to sell products in the mortgage industry, instead Julius sells customized solutions to your situation and truly adds value. Highly recommended!

Ryan T.

Hey, check out this amazing review from Louis about Julius! “Thanks to Julius Barrutia and the entire Guaranteed Rate team for seeing us through an extended closing process and getting us a great deal to boot! Julius even attended our closing to make sure that it all closed out smoothly, which, of course, it did. Going forward, I'll gladly recommend Julius and Guaranteed Rate to those entering the market.”

Louis L. – Chicago, IL – 5/2013

Hey check out the amazing review from Frank about Julius! “A big thanks to Julius and Guaranteed Rate. This was our second time using them and both times the process went very smoothly. We are so happy with the service we received! Our family members have also used Guaranteed Rate and were also extremely happy. I highly recommend this company!”

Frank T. -- Elk Grove Village, IL -- 03/2013

About Julius

As a ten year veteran of the mortgage industry, Julius Barrutia is a trusted professional with a vast knowledge of the mortgage industry and an array of loan products. With an extensive financial background, Julius has the experience and expertise to provide beneficial loan options to his clients while properly guiding them through the loan process. Whether working with a first time homebuyer or a seasoned real estate investor, Julius carefully listens to his clientsý needs which enables him to identify solutions for even the most unique scenarios. In addition to professional guidance, providing top-notch customer service and a seamless loan process to every client is essential to Julius and his team. As hundreds of Juliusý past clients can attest, he is dedicated to making sure your home purchase or refinance goes as smoothly as possible from beginning to end.

Julius interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
Since no two client scenarios are the same, it is important for me to carefully listen to my clientsý needs in order to identify solutions for even the most unique scenarios. Preparing a loan is like putting a puzzle together and therefore, I view every piece of information as a "piece to complete the puzzle". This is the part of my job I love the most - helping clients identify the loan program best suited for their short and long term goals.
What advice would you give new or first time home buyers?
Try and relax - purchasing your first property is a big step but also a very exciting time in life! Just as anything new, taking the first steps to homeownership can feel a bit intimidating and overwhelming with all the unknowns about the process. As clichý as it sounds, I always tell my first time homebuyers "there is no stupid question" and to ask me any questions they may have regarding the loan process or their loan options. Purchasing a property is one of the largest investments you can make and therefore, I make sure my clients have a full understanding of the process from beginning to end.
How has the mortgage industry changed since you started, and what would you expect in the future?
As clichý as it sounds, the only thing constant in the mortgage industry is change. Every day brings new challenges.
What can borrowers do to insure a smooth mortgage underwriting process?
Be prepared up front and make sure to provide us with the required documentation and information in a timely fashion. I pride myself in being an expert on loan guidelines and underwriting requirements, which allows me to properly to guide my clients and gather the appropriate documentation up front. By submitting a "complete" loan file to underwriting for review, it ensures a much smoother underwriting process compared to those who are unprepared.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
I am honored to have been nominated as a candidate for the Leukemia & Lymphoma Society's annual "Man & Woman Of The Year" fundraising campaign. The campaign is a 10 week fundraising competition (starting March 30th and ending June 11th at the Year End Gala) and every candidate has one goal in mind- to raise as much money as possible for leukemia research! A boy and a girl who are both child blood cancer survivors are also chosen to be part of the campaign with their families and the candidates fundraise in their honor. My goal is to raise $50,000+ during this fundraising campaign. Please join me in supporting the Leukemia & Lymphoma Society by making a donation to my fundraising campaign! Please follow the link below to donate and thank you in advance for your support!

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