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Mortgage Loan Officer

Julia Gallardo

Mortgage Loan Officer

NMLS# 296502

Reviews on Zillow

Connect with Julia

  • julia.gallardo@usbank.com
  • 213-615-6238
  • 951-283-1896

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

About me

No matter where you are in the home buying process, I can help.

Union Bank is now U.S. Bank, and I’m proud to be part of the U.S. Bank mortgage team! Although our name has changed, my focus on home lending has not. I look forward to providing you with exceptional service and value as your dedicated local partner.

As a mortgage loan officer right here in Riverside, I work with you to help you find the right mortgage for your unique situation.

You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Riverside with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 213-615-6238.

Service areas include

  • Riverside, CA
  • Riverside County, CA

Primary location

9811 Magnolia Ave
STE B
Riverside, CA 92503

Languages

  • Spanish

Connect with Julia

  • Email julia.gallardo@usbank.com

  • 213-615-6238

  • 951-283-1896

  • Request a Call

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

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Refinance rates

Compare rates for a variety of home refinancing options.

See refinance rates

Mortgage calculator

Estimate your total monthly mortgage payment.

Run the numbers

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Mortgage FAQ

Get answers to common home-buying questions.

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Today's refinance rates in California.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific amount of equity for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of .

See rates for other states.

Compare current refinance rates.

Conventional fixed-rate refinance loans

Term Rate APR Monthly Payment Points
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Conventional adjustable-rate refinance loans

Term Rate APR Monthly Payment Points
10/1
7/1
5/1

Jumbo adjustable-rate refinance loans

Term Rate APR Monthly Payment Points
10/1 Jumbo
7/1 Jumbo
5/1 Jumbo

FHA refinance loans

Term Rate APR Monthly Payment Points
30-year fixed - FHA

VA refinance loans

Term Rate APR Monthly Payment Points
30-year fixed - VA

Jumbo refinance loans

Term Rate APR Monthly Payment Points
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Julia Gallardo

Mortgage Loan Officer

NMLS# 296502

213-615-6238

  • julia.gallardo@usbank.com

  • 213-615-6238

  • 951-283-1896

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage calculator

Use our mortgage calculator to help you better understand your home financing options.

Julia Gallardo

Mortgage Loan Officer

NMLS# 296502

213-615-6238

  • julia.gallardo@usbank.com

  • 213-615-6238

  • 951-283-1896

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Reviews

Zillow

Julia Gallardo

Mortgage Loan Officer

NMLS# 296502

213-615-6238

  • julia.gallardo@usbank.com

  • 213-615-6238

  • 951-283-1896

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage FAQ

Get answers to your questions regarding home financing, refinancing and more.

First-time home buyers

Depending on your home-ownership goals, there are several options for first-time home buyer loans Some examples include Federal Housing Administration (FHA), Veterans Affairs (VA) and United States Department of Agriculture (USDA) loans, which allow for low to zero down payments for qualified buyers. Conventional loans are another option, and you could qualify with a credit score as low as 620 but you’ll need a more substantial down payment (up to 20% depending on your situation). It’s important to consider the benefits of different loan options before deciding which one is right for you.

To qualify for mortgage loans that are best suited for first-time home buyers, there are general requirements that can include:

  • Credit Score
  • Down payment amount
  • Household income limitations

Your mortgage loan officer can work with you to see if you qualify for any first-time home buyer loans

If you have not owned a home in the last three years, you may be eligible to apply for a first-time home buyer loan and down payment assistance. The requirements for each loan type vary, but they typically are based on your credit score and down payment amount. Contact your mortgage loan officer to see if you qualify.

Conventional fixed-rate loans

A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment. If you have good credit and a low debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income), a conventional fixed-rate loan may be a good option for you.

A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Check out today’s rates for a conventional fixed-rate loan or compare mortgage rates for a variety of loan options. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.

Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage (ARM) the interest rate may change periodically, based on a pre-determined index, for example the U.S. Treasury, and margin set by the bank. The initial interest rate is fixed for a set period, typically three to 10 years depending on the loan product, and then becomes variable. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.

Refinance

Yes. If you have enough equity in your home, you can consolidate a home equity loan, line of credit or other debt (like a credit card or car loan) into a Cash-out Refinance for a first-lien mortgage loan. With this option, the existing home mortgage and any liens on the property are paid off and replaced with a new mortgage. When you close on the loan, part of the loan will pay off your first mortgage and the cash-out part will pay off your home equity loan, line of credit or other debt.

Just as with your first mortgage, you must meet certain requirements to qualify for a mortgage refinance. The process includes applying for the loan, going through the underwriting process and closing on the home. A mortgage refinance may allow you to change terms, lower your monthly payments or reduce your interest rate. To learn more about how to refinance a mortgage, connect with your mortgage loan officer.

To qualify for a Veterans Affairs (VA) refinance loan , you must be an active-duty service member, veteran or eligible surviving spouse. A VA loan may allow you to refinance a home with little or no equity to get cash out or to lower your monthly payment. If you don’t meet the qualifications for a VA refinance loan, Federal Housing Administration (FHA) refinance loans offer similar advantages, including lower borrower equity requirements.

Self-employed borrowers

To qualify for a mortgage loan when self-employed, you’ll need to fill out the same application and meet the same requirements as regular salaried or hourly workers with a W-2 from their employer. The difference is that, you’ll also need to provide some additional documentation, which may include two years of employment verification and income documentation.

To calculate your monthly income, you’ll average your adjusted gross income (total income minus deductions) from the last two years of tax returns. Take your adjusted gross income from each form, add the two numbers together and divide by 24. While there are several factors that determine your eligibility, this simple equation will provide a rough estimate of the amount your mortgage lender will use for consideration of a mortgage loan.

To qualify for a mortgage loan when self-employed, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and debt-to-income ratio. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool. Getting a home loan when you’re self-employed is certainly possible, but you must be prepared for a slightly different mortgage process.

USDA loans

United States Department of Agriculture (USDA) loans are mortgages guaranteed by the U. S. Department of Agriculture. A USDA loan can be a good option for buyers with lower to moderate incomes in eligible rural areas. These are zero down payment loans with low interest rates, and they typically have more flexible credit requirements than conventional mortgages. Contact your mortgage loan officer to see if you qualify for a USDA loan.

If you’re considering a United States Department of Agriculture (USDA) loan, you should be prepared to meet the established guidelines for credit score, income and debt-to-income ratio. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool . Contact your mortgage loan officer to see if you qualify for a USDA loan.

United States Department of Agriculture (USDA) loans are available to qualified buyers with low to moderate incomes in eligible rural areas. To be eligible for a USDA loan, the home must meet certain requirements and it must be your primary residence in a rural community. Rental properties and vacation homes do not qualify. To learn more about how USDA loans work, connect with your mortgage loan officer.

Julia Gallardo

Mortgage Loan Officer

NMLS# 296502

213-615-6238

  • julia.gallardo@usbank.com

  • 213-615-6238

  • 951-283-1896

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply
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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all   states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home   equity and credit products are offered through U.S. Bank National Association. Deposit products are offered through   U.S. Bank National Association. Member FDIC. Equal-Housing-Lender"   Equal Housing Lender

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only.  The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The  information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All  financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the  control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the  accuracy of information.

1. The rates above assume you have a down payment, or equity, of at least 25% for  a conventional fixed-rate loan, an adjustable-rate mortgage (ARM) loan or a jumbo loan, at least 3.5% for an FHA loan  and 0% for a VA loan.

Conforming fixed-rate estimated monthly payment and APR example: A  $464,000 loan amount with a 30-year term at an interest rate of 6.500% with a down-payment, or borrower equity of 25%  and no discount points purchased would result in an estimated principal and interest monthly payment of $2,933 over  the full term of the loan with an Annual Percentage Rate (APR) of 6.667%.

Estimated monthly payment and APR calculation are based on a down-payment, or borrower equity of 25% and  borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than  20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly  payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

ARM estimated monthly payment and APR example: A $464,000 loan  amount with a 30-year term at an interest rate of 5.5% with a down payment, or borrower equity of 25% and no discount  points purchased would result in an initial estimated monthly payment of $2,635 with an Annual Percentage Rate (APR)  of 6.345%.

Estimated monthly payment and APR calculation are based a fixed-rate period of 5 years that could change  in interest rate each subsequent year for the next 25 years of the loan term, a down-payment, or borrower equity of  25% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. After  the 5-year introductory period: the APR is variable and is based upon an index plus a margin. The APR will vary  with a predetermined index as published in the Wall Street Journal. If the down payment, or borrower equity is less  than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly  payment does not include amounts for taxes and insurance premiums. Adjustable-rate loans and rates are subject to  change during the loan term. That change can increase or decrease your monthly payment.

FHA estimated monthly payment and APR example: A $265,375 base loan amount with a  30-year term at an interest rate of 6.250% with a down payment, or borrower equity of 3.5% and no discount points  purchased would result in an estimated principal and interest monthly payment of $1,663 over the full term of the loan  with an Annual Percentage Rate (APR) of 7.478%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 3.5%  and borrower-paid finance charges of 0.862% of the base loan amount. Estimated monthly payment and APR assumes that  the upfront mortgage insurance premium of $4,644 is financed into the loan amount. The estimated monthly payment shown  here does not include the FHA-required monthly mortgage insurance premium, taxes and insurance premiums, and the  actual payment obligation will be greater.

VA estimated monthly payment and APR example: A $264,000 base loan amount with a  30-year term at an interest rate of 6.250% with no down payment, or borrower equity and no discount points purchased  would result in an estimated monthly payment of $1,663 with an Annual Percentage Rate (APR) of 6.663%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 0% and  borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. Estimated  monthly payment and APR assumes that the VA funding fee of $6,072 is financed into the loan amount. Estimated monthly  payment does not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

Jumbo estimated monthly payment and APR example: A $940,000 loan amount with a 30-year  term at an interest rate of 5.625% with a down payment, or borrower equity of 25% and no discount points purchased  would result in an estimated monthly payment of $5,411 with an Annual Percentage Rate (APR) of 5.784%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 25% and  borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than  20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly  payment does not include amounts for taxes and insurance premiums and the actual payment   obligation will be greater.

The rates shown above are the current rates for a single-family  primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not  a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan  size, credit profile, property value, geographic location, occupancy and other factors.

To lock a rate, you must submit an application to U.S. Bank  and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by  starting it online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive  written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is  not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to  subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Conforming Fixed-Rate Loans - APR calculation assumes a  $464,000 loan with a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the  loan amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage  insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts  not exceeding $726,200 ($1,089,300 in AK and HI).

Conforming ARM loans - Adjustable-rate loans and rates are subject  to change during the loan term. That change can increase or decrease your monthly payment. APR calculation assumes a  $464,000 loan  with a 25% down payment and borrower-paid finance charges of 0.862% of the loan amount, plus  origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be  required, which could increase the monthly payment and the APR. Conforming rates are for loan  amounts not exceeding $726,200 ($1,089,300 in AK and HI).

Non-conforming ARM Loans - Adjustable-rate loans and rates  are subject to  change during the loan term. That change can increase or decrease your monthly payment. APR calculation assumes a  $940,000 loan with a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the loan  amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage  insurance may be required, which could increase the monthly payment and the APR. Non-conforming rates are for loan  amounts exceeding $726,200 ($1,089,300 in AK and HI).

Jumbo Loans - Annual Percentage Rate (APR) calculation assumes a  $940,000 loan with a 25% down payment or borrower equity and borrower-paid finance charges of 0.862% of the loan  amount, plus origination fees if applicable. If the down payment, borrower equity is less than 20%, mortgage insurance  may be required, which could increase the monthly payment and the APR. Jumbo rates are for loan amounts exceeding  $726,200 ($1,089,300 in Alaska and Hawaii).

FHA Loans - Annual Percentage Rate (APR) calculation assumes a  $270,019 loan ($265,375 base amount plus $4,644 upfront mortgage insurance premium) with a 3.5% down  payment, or borrower equity, monthly mortgage insurance premium of $176.30, and borrower-paid finance charges of  0.862% of the base loan amount, plus origination fees if applicable.

VA Loans - Annual Percentage Rate (APR) calculation assumes a  $270,072 loan ($264,000 base amount plus $6,072 VA Funding Fee for first time use) with no down payment, or borrower  equity and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

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