Financing solutions that support property owners and long-term performance.

Today’s lending landscape is complex. Julie Markarian provides clear, strategic guidance to help clients evaluate financing options that align with their broader ownership objectives. With real-world deal experience and deep knowledge of the full loan process from start to close, Julie guides borrowers across both residential and commercial lending. She understands what underwriters look for, how to position a strong file, and how to match the right loan structure to a property that actually pencils out.

Julie Markarian brings hands-on transaction experience and comprehensive lending expertise, guiding clients through the loan process with precision from initial strategy through closing. She understands underwriting standards, documentation requirements, and risk factors, and structures financing that aligns with the property’s fundamentals and the client’s financial goals.

Julie offers access to a broad range of residential and commercial loan solutions, from conventional financing to specialized programs designed for more complex scenarios.

Clear guidance for buyers, homeowners, and investors across California.

Julie Markarian helps clients navigate residential financing with a strategic, options-first approach. She works with trusted lending partners to identify the right loan structure for primary residences, second homes, and investment properties, aligning terms and programs with your goals and long-term plan. The loan types listed below are examples of options she can support, depending on eligibility, property type, and lender guidelines.

Residential

Loans

Conventional Loans

  • A flexible loan option for buying or refinancing a primary residence, second home, or investment property, typically with competitive rates for well-qualified borrowers. It can be structured with a variety of terms to match your goals.

  • Refinance your current mortgage and access a portion of your home equity as cash, which can be used for renovations, debt consolidation, or reinvestment. In eligible scenarios, cash-out may be available up to 90% of the home’s value.

  • Designed for buyers in higher-cost areas who need a larger loan amount than standard conventional limits, while still using conventional loan guidelines. It can be a strong alternative to jumbo financing depending on the property and borrower profile.

  • Adjustable-rate mortgages that start with a fixed rate for 5, 7, or 10 years, then adjust based on market conditions. These can be a smart fit for buyers who plan to sell, refinance, or expect income growth before the adjustment period begins.

  • A low down payment conventional option for qualified first-time buyers, designed to make homeownership more accessible. It’s often paired with strong credit and stable income, and can reduce the cash needed to purchase.

  • A flexible conventional program created to support qualified low-to-moderate income buyers with reduced down payment requirements. It may allow additional income sources to help with qualification, depending on the situation.

  • A Freddie Mac program that offers low down payment financing for qualified buyers, often with more flexible underwriting than standard conventional loans. It’s designed to expand access to homeownership while maintaining conventional loan benefits.

  • A refinance program aimed at helping eligible homeowners reduce monthly payments or improve loan terms, even when equity is limited. It can be a strong option when traditional refinance requirements are harder to meet.

  • A refinance option designed to help eligible borrowers lower their interest rate and monthly payment with simplified requirements. It’s intended to make refinancing more accessible and cost-effective for qualified homeowners.

Federal Housing Administration Loans

  • A government-backed option designed to make homeownership more accessible with flexible qualification guidelines.

  • A government-insured loan designed for homeowners age 62 and older who occupy their home as a primary residence. Reverse mortgages allow qualified borrowers to access a portion of their home equity without making monthly mortgage payments. Funds can be received as a lump sum, line of credit, or monthly payments, helping retirees supplement income, cover expenses, or age in place while remaining in their home.

VA Loans

  •  A VA-backed mortgage for eligible veterans, active-duty service members, and some surviving spouses, often offering favorable terms and flexible underwriting. It can be used for purchasing or refinancing a primary residence.

  •  A simplified VA refinance designed to help eligible borrowers lower their rate or monthly payment with reduced documentation. It’s typically used to refinance an existing VA loan into a new VA loan.

  • Adjustable-rate VA mortgages that begin with a fixed interest rate for the first 3 or 5 years, then adjust periodically based on market conditions. These can be a good fit for borrowers who expect to move or refinance before the adjustable period begins.

  •  A premium VA loan offering from select lenders, typically featuring competitive pricing or enhanced terms for well-qualified VA borrowers. Availability and specific benefits vary by lender and borrower profile.

Jumbo Loans

  •  A jumbo mortgage with a fixed interest rate for the life of the loan, offering predictable monthly principal and interest payments. It’s commonly used for higher-priced homes that exceed conventional loan limits.

  • A jumbo adjustable-rate mortgage that starts with a fixed rate for 5, 7, or 10 years, then adjusts based on market indexes. This can be a strong option if you plan to sell, refinance, or anticipate a change in income before the adjustment period begins.

  •  A jumbo loan that allows interest-only payments for an initial period, with the rate fixed for 30 years, helping reduce early monthly payments. After the interest-only period ends, payments typically increase as principal repayment begins.

  •  A jumbo ARM structured with a fixed rate for 7 or 10 years, followed by scheduled rate adjustments with defined caps that limit how much the rate can change. It’s designed for borrowers who want initial payment stability with built-in protection against large rate swings.

Home Equity Options (HELOCs)

  • A revolving line of credit secured by your home’s equity that you can draw from as needed, often during a set “draw period.” It’s commonly used for renovations, debt consolidation, or flexible access to funds.

  • A second-lien HELOC used alongside a first mortgage, often to reduce the first loan amount or avoid mortgage insurance depending on the structure. It can also be used to increase purchasing flexibility with a separate line of credit.

  • A HELOC taken on its own, without pairing it with a new first mortgage, allowing you to access equity while keeping your current primary mortgage intact. Terms like 20 or 30 years generally refer to the total repayment timeline.

Bank Statement Loans

  • A fixed-rate mortgage designed for self-employed borrowers who qualify based on bank statement deposits rather than W-2s or tax returns. It can be a strong option when traditional income documentation doesn’t reflect true earning power.

Alternative Financing

  • Flexible, asset-based financing with faster approvals and customized terms when traditional lenders are not the right fit.

Download and complete the Uniform Residential Loan Application (Form 1003) to get started on your home purchase or refinance. Once submitted, Julie can review your information, discuss the best loan options for your goals, and take the next steps toward getting you approved and on the path to owning your home.

DOWNLOAD FORM 1003

Commercial

Lending

Commercial Purchase Loans

  • Financing for business owners purchasing a property they will operate from, such as an office, retail space, or industrial building. These loans are structured around the business’s strength and the property’s fundamentals, often with terms designed for long-term stability.

  • Loans designed for investors acquiring properties intended to generate rental income, such as multifamily, mixed-use, or other commercial assets. Qualification focuses on the property’s cash flow, occupancy, and overall investment performance, along with the borrower’s experience and financial profile.

  • A two-phase solution that starts with short-term bridge financing to close quickly or stabilize the property, then transitions into permanent long-term debt once targets are met, like renovations completed or occupancy increased. This structure supports speed today with a clear path to more favorable long-term terms.

  • Flexible, asset-based financing with faster approvals and customized terms when traditional lenders are not the right fit.

Commercial Refinance Loans

  • Refinance an existing commercial loan to improve the interest rate, adjust the amortization, or change the loan structure without taking cash out. Ideal for lowering monthly payments, improving cash flow, or aligning financing with a long-term hold strategy.

  • Access equity from an owned property and convert it into usable capital for renovations, reserves, or new acquisitions. This strategy can help investors scale, reposition an asset, or strengthen a property’s performance while keeping financing consolidated.

  • Combine multiple loans into a streamlined structure to simplify payments and improve overall portfolio efficiency. Often used to reduce administrative complexity, optimize terms, and strengthen cash flow across a multi-property portfolio.

Multifamily Loans (5+ Units)

  • Financing for multifamily properties that are performing consistently, typically with strong occupancy and predictable income. These loans are designed to support long-term holds with terms that align to steady cash flow.

  • Capital structured for properties that need improvements or operational upgrades to increase value, rents, or occupancy. Often ideal for investors executing a renovation plan, improving management, or repositioning the asset for a stronger long-term performance.

  • Choose a long-term fixed-rate option for payment stability or an adjustable-rate structure when flexibility or initial pricing is a priority, based on current lender offerings. Julie helps you evaluate the best fit based on your timeline, risk tolerance, and portfolio strategy.

DSCR and Cash Flow-Based Loans

  • Financing that emphasizes the property’s ability to cover its debt payments, using cash flow metrics as a primary driver of qualification. Ideal for investors focused on performance, leverage, and scalability.

  • Underwriting based on real property financials, including rent roll, trailing operating statements, and key income and expense trends. This approach helps lenders evaluate true asset performance, not just borrower income.

  • Flexible lending solutions designed for borrowers financing multiple properties under one umbrella, subject to asset mix and lender criteria. These options can simplify portfolio management and align terms across holdings when a consolidated strategy makes sense.

Renovation and Value-Add Financing

  • Financing designed to fund a property acquisition and the renovation budget, helping investors upgrade units, improve systems, or complete value-add projects. Ideal when improvements are required to unlock higher rents, stronger occupancy, or a better long-term valuation.

  • A structure where a portion of loan proceeds is held and released in stages as renovation milestones are completed and verified. This keeps the project funded while aligning disbursements with progress and protecting the overall execution plan.

  • Short-term or transitional capital for properties that need operational improvement, lease-up, or a new business plan before qualifying for long-term financing. Commonly used to bridge the gap between “as-is” performance and stabilized cash flow.

SBA Loans

(Owner-Occupied)

  • The SBA 7(a) program is a flexible, government-backed loan option that can be used for owner-occupied commercial real estate, business acquisition, working capital, and certain refinance scenarios. It is often a strong fit for business owners who want longer terms and competitive financing with broad allowable uses.

  • The SBA 504 program is designed specifically for major fixed assets, most commonly owner-occupied commercial real estate or equipment, with long-term financing and typically favorable fixed-rate structures. It is ideal for businesses looking to purchase or build a facility while preserving cash for operations and growth.

Specialty Commercial Programs

  • Financing for buildings that combine residential and commercial space, such as retail on the ground floor with apartments above. These loans are structured to reflect both income streams and the unique zoning, tenancy, and valuation considerations of mixed-use assets.

  • Commercial loan options designed for smaller loan amounts, often used for smaller multifamily, mixed-use, and neighborhood commercial properties. They can offer a more streamlined process while still providing solid terms for investors seeking efficient financing.

  • Flexible programs from portfolio lenders that keep loans in-house, allowing more nuanced underwriting for complex borrower profiles or unique properties. These options can be a strong fit when a deal does not check every conventional box, but the fundamentals and story are strong.

Mortgage Calculator

Smart Investing, Financing and Refinancing

Working with Julie Markarian means having a trusted advisor who brings clarity, strategy, and follow-through to every financing decision. She takes the time to understand your investment goals, review your current mortgage and financial picture, and explain loan and refinance options in a way that is straightforward and actionable. If refinancing is the right move, Julie guides you step by step and manages the details to keep the process efficient, well-structured, and aligned with your long-term plan. Whether you are purchasing your first home or financing a sophisticated commercial investment, Julie delivers the expertise, responsiveness, and lender access to help you secure the right loan with confidence.