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Julie Bell

Branch Manager/VP of Mortgage Lending
4863 Old Redwood HWY, Suite D, Santa Rosa, CA 95403
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NMLS: 240206
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I purchased a new construction condo and the builder was delayed for a year. I was fortunate to have Julie as my mortgage consultant. Her entire team is amazing - Debbie did most of the administrative loan processing. They sorted out a lot of the paperwork with the builders and the home insurance and made sure I did not have to play middleman. I am a numbers nerd, so Julie answered my questions patiently regarding the loan information and options I have. Definitely go with Julie and Guaranteed...

Alnie - San Francisco

All through the refinance process Julie and her team guided us carefully to a successful conclusion. Several trees and many bytes of data were used up to complete paperwork and resolve minor problems ( to them they were minor ) that cropped up as we progressed. Always friendly, helpful and straightforward in every aspect. I heartily recommend them to anyone seeking a loan or refinance.. They will make it work!!

Floyd - Petaluma

Thank you so much for helping me, I don't think I could get it without your great help! I will recommend you to my friends if someone need loan or refinance. Thank you so much!

Bing L.

Thank you so much for your kind words. We three have been so lucky to connect with Marian and through her wisdom and grace, you. We can't thank you all enough.


Thanks Julie. Your team outdid themselves. Big thank you!!


Julie Bell was fantastic: knowledgeable, down-to-earth, easy to reach any time of day/night, candid, communicative, positive, fun. We could not have asked for anything more.

Jonas L.

"We love Julie, she is great!"

Rebecca K. -- El Granada, CA -- 9/2014

“Professionalism. Period.”

Anna O. – Santa Rosa, CA – 5/2014

You were very nice to work with, very knowledgeable, and always answered questions when I had them. You were easy to work with and really helped me throughout the whole loan process.


Julien Bell was my loan officer. She went out of her way on several occasions to assist me. She took time out of her personal life to explain areas of the process that were foreign and difficult for me to understand. I would definitely recommend anyone and everyone to choose Julie. Her team was also very helpful and in continuous contact with me regarding the documents and information needed. They made the experience less stressful and genuinely appeared to care about me getting a home. Thank...

Aaron C.

It was a pleasure working with Julie Bell on my refinance in 2012. My rate was lowered, and my payment went down significantly. Not only do I trust her with my personal mortgage, but also send my clients to her for their home purchase. She guides them through the loan process, and will explain in great detail what to expect during the transaction. I am confident that we will continue to do business together, and will close deals on time.

Michele D.

Julie and her team made the whole process so incredibly easy, it made me wonder why I didn't buy a house earlier! Can't wait to use her again soon!

Derick F. - 9/9/2016

Hi Julie, David and I were 100% satisfied with our loan transaction with you last year. We not only appreciated your professionalism and expertise, but also your friendly and caring demeanor. If we ever need a loan again, we will definitely use you! It was a pleasure working with you and we will certainly recommend you to anyone we know that is looking for a loan. Sincerely,

Anna B. and David O.

Thank you so much for all of your help! I'm not sure if I believed this day would ever come (and I don't mean because of the process, but in general) - I wasn't sure I would ever own a home. I very much appreciate the help you gave me and keeping me calm along the way!

Jennifer W. - 7/13/2016

Working with Julie was an absolutely amazing experience. We have worked with several loan officers before but have never encountered a loan officer with so much knowledge of the various home buying programs out there. We encountered several unexpected hurdles while in escrow that, in our honest opinion, any other loan officer wouldn't have been able to solve. Julie saved our purchase and despite the myriad issues we faced even got us to close before schedule! She comes highly recommended and...

Rabea C.

Thanks so much to you and your team for all your help! I'm so thrilled to be able to stay in my home AND own my home, and at such a great interest rate :) I really appreciate all the help and support you and your team offered throughout the entire process. Please pass on my thanks to all of them. It felt great to return from my two week trip last night knowing that my home is mine!

Jennifer B. June 2016

Hi Julie, Just a note to say a big thank you for the refinance you did for us. Thank you also for getting us our original loan at a great rate for our house, which we love. I really appreciated that you would always return my calls and emails in a timely manner. Even working around my schedule to find time to talk. You made me feel special, even though that may sound a little corny. I also trusted you so much that I referred you to my friend Katie. You went out of your way to make it all less...

Molly M. and Rich F.

Julie Bell made my experience of securing a loan for a home extremely pleasant. It took a long time for me to find the home of my heart! By the time I did, a year had passed from completing all the original paper work. Julie made my requalifying experience a breeze. Julie was available to me as the realtor and I negotiated. Once we were finally ready to set up the mortgage, she offered clarity and also made it happen without any stress to me. Julie is a knowledgeable, sensitive, and efficient...

Rae E.

I know Julie Bell and her group are the best and I know you do too. This is our third time working with your team. Always an excellent experience.

Jeffrey R. April 20, 2016

Julie, I am happy to recommend your services for anyone in need of help in arranging financing for a home purchase. You and your staff were most responsive and helpful, informing us throughout the process of exactly what was needed from us. You were always available when we had questions, and as you know, the loan was approved and we were able to close the deal despite the short window of time which we had available to do so. We would be most pleased to work with you again should the...

Charles B. and Yaping Y.

The process was very efficient and easy. I also love that I didn't have to waste lots of paper and was able to scan most of the documents I already had. Every person I worked with was friendly and gave clear instructions.

Celina N. April, 2016

From the beginning we knew that Julie was quite a find. Julie made sure we completely understood each part of the process every step of the way and made us comfortable that we knew exactly how this purchase was going to affect our monthly budget. Julie was available anytime we needed her, and was able to get back to us quickly each time new questions or situations arose. Julie was able to close our loan even faster than anticipated. From beginning to end, Julie was helpful, efficient and...

Dana A.

Working with Julie was nothing but professional, comforting and consistent. Julie made herself ready available via email and phone; the response time in all cases was nothing but prompt. Despite my eagerness, she was always patient as well as kind when communicating. Julie has her “A game” on. The service I received from her made my first purchase a great one. I'm coming to a time where things are blossoming more in my life which means a larger home. Julie will be the one to help me transact my...

Ryan K.

Julie Bell has helped us through a Refinance last year. This was painless and due to her market timing again saved us a ton of money. I have recommended Julie to many of my close friends and associates. Thanks Again Julie,

Client for Life: Thomas C.- Pacifica, CA

I would like to extend my thanks and appreciation to Julie Bell for her dedication, professionalism, understanding of the market and timing in getting our Mortgage Loan approved. She was with us the entire process and explained in detail all the steps required to transition into our new home. We thought we would never be able to own a home in the Dog eat Dog real estate market of the SF Bay area. After we were referred to Julie Bell by a Bank Broker, she took over and got us through the...

Client for Life: Thomas C. - Pacifica, CA

Julie, I just wanted to take a moment to thank you for all your hard work getting my loan processed. From the beginning you made me feel comfortable by explaining the loan process, and also letting me know a little about your background in lending and how it would help get the job done. By setting the expectation for the whole process, it allowed me to be prepared and informed every step of the way. I truly appreciate the care and follow up after the loan closed as well. You and your...

Coral G.

When I bought my house I was a first time homebuyer and did not know the ins and outs of what I was doing. Julie was fantastic and took the extra time with me and made me feel very comfortable with the big decision I was making. I couldn't be happier with the decision I made with her help. I will use her again for any further home purchasing.

Justin H.

Julie Bell helped us close the deal on what seemed to be the biggest nightmare short sale deals of all time. Julie never backed down. This deal was in jeopardy every day from the tenuous short sale approval, from new laws about sewer laterals, and especially from the real estate agent representing the seller. No one should have to put up with what Julie faced in dealing with that lady. Through it all Julie kept us level headed and provided us with the right information at the right time. I am...

Eric J.

I really liked the simplicity and clearness of a majority of the forms. Everyone I worked with was on top of email, phone, etc. and knew their stuff. In general, the home buying process is stressful and you helped alleviate some of that stress by being very accommodating to various methods of communication and willing to answer questions quickly. I am very happy we closed on time and I'm happy with the overall experience. Great service!

Andrew J. -- Chicago, IL. -- 9/2013

About Julie

Buying a home is a major decision. My goal is to make the process easy and understandable. That’s why the first thing I do is take the time to really get to know you and understand your goals.

I enjoy connecting with clients even before they’ve found their dream home. It’s never too soon to start the preapproval process so you can learn tips to maximize your credit score and figure out what type of home works best for your family. Armed with this information your home search becomes more focused and hassle-free.

Once you’ve chosen your dream home, I help you select the best loan program to fit your needs. I stay with you every step of the way, ready to answer questions and make your home buying process seamless.

Contact me by email at or by phone 415-378-2536

Looking to save money by refinancing your home? Check out Guaranteed Rate’s new e-book, "Time to Refinance Your Mortgage? The five most important questions to answer."


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