YOUR MORTGAGE is a click away
863.616.3182our core values
Growth Mindset
Transparent
Above and Beyond
Process Driven
Compassionate
Humble
Integrity
Loyal
Nimble
Julio Garza is a Loan Officer based in Lakeland, Florida, passionate about guiding first-time homebuyers and new investors through the mortgage process. After purchasing his own home in 2022, Julio became fascinated by the financing journey and decided to turn that interest into a career. He joined the same team that helped him secure his loan, passed his NMLS exam on the first try, and is now committed to helping others build wealth through homeownership. Julio understands how overwhelming buying a home can be, especially for those unfamiliar with the process, and works hard to make it smooth and stress-free for his clients. What sets Julio apart is his dedication and availability—he’s there for his clients day or night, weekends and holidays included. He brings both personal experience and professional insight, offering support not just as a Loan Officer, but as someone who’s been through the journey himself. Whether helping someone navigate their first home purchase or advising a new investor, Julio focuses on adding real value and creating long-term financial impact. Inspired by his family’s story and his own experience as a landlord, he’s driven by the belief that real estate can transform lives—starting with yours.
Here's how we do things
Apply Online
Pre-Approved
Search
to Processing
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
Here's how we do things
Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.
Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.
Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.
This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.
After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.
