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Julia
Demeter

Mortgage Advisor
NMLS #240491

My clients appreciate my extensive mortgage experience, financial services and project management background, along with my straightforward approach to explaining their mortgage options.

Owning your own home is a key piece of your financial success and personal happiness. What other investment offers great tax benefits and the ability to create a wonderful environment for you and your loved ones?

Home buyers need to understand their mortgage details before they make one of the largest purchases of their lives. I love providing context and details during the preapproval process, so buyers can go into contract with their eyes open.

I'm thrilled to help clients with straight forward advice about refinancing and referrals to my network of CPA's, Financial Advisors, Estate Attorneys, and Insurance Professionals.

Being a loan officer gives me the opportunity to impact financial awareness in my community. I am a proud member of the 'Kelpies Rowing Club', an all women's whaleboat team that rows in the Oakland Estuary and San Francisco Bay.

Awards and Recognition

  • Chairmans2015
  • Chairmans2016
  • Branch: Berkeley
    2001 Addison Street
    Suite 275
    Berkeley, California 94704
    Direct: 925-394-7753
    Cell: 510-520-9700
    Fax: 925-394-7754
    Email:
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Recent Posts

  • by CHM Marketing
    March 10, 2017

    You’ve done the work to be preapproved and you are looking at homes to purchase and hoping that warmer weather brings more homes for sale.   But what to do while you are waiting?   There are some smart financial moves that you can make now so that you can focus on your home once you’ve purchased.

    1. Polish up your credit.   Typically, borrowers with scores over 740 enjoy access to the best interest rates. Improving your score to at least that level will save you money.   Moving towards 800 can improve the rate on some jumbo mortgages or reduce the amount you pay each month in mortgage insurance.   Don’t assume that you know what actions to take!   Check in with your lender for direction.   Commerce Home Mortgage offers a free credit analysis by a reputable credit repair company.   Not all credit companies are created equal.   Many are very costly and do nothing to improve your credit score.
    2. Check in with An Estate Attorney.     As a home owner, you have something of value that you will want to make sure goes to the right person/people should something happen to you.  It’s not fun to think about but worth the peace of mind.  Talk to an Estate Attorney to set up an Estate Plan ( Will and Trust).   While you are at it, ask the attorney and do some research on options and implications of how you take title your home.
    3. Talk to a Financial Advisor.   A good financial advisor can not only help with your investment options, but can provide advice about home buying strategies.  What is a realistic monthly mortgage payment for your situation?  Is it better to put more money for down payment or keep funds for investing?
    4. Practice paying your mortgage.   Now that your lender has provided monthly housing expenses for your target purchase price, “practice “ paying that amount each month by saving the difference between your current rent and your monthly “PITI” (principal, interest, taxes and insurance).   You’ll get a sense if you are being realistic about what you can manage each month, while adding to your savings.

    To be preapproved for a mortgage and for great references to local financial professionals, reach out to me!

    Julia

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