Juli Surface is a trusted mortgage professional with over 20 years of experience in the financial industry, bringing deep expertise and a genuine commitment to her clients to every transaction. As a longtime Polk County resident, Juli knows the local market inside and out, and she’s equally invested in the people and communities that make it thrive. A proud member of the Lakeland Realtors association, Juli has built strong relationships across the real estate community, making her a go-to partner for agents and homebuyers alike. Her six years of service as an HOA Board member further reflects her dedication to community. She understands firsthand the responsibilities and values that come with homeownership. Juli’s approach to mortgage lending is rooted in the same qualities that define her outside of work: loyalty, dependability, and heart. When she’s not helping clients navigate the path to homeownership, she’s most likely on the water or spending time with her kids. If you’re ready to buy, refinance, or simply explore your options, Juli Surface is the experienced, community-minded partner you want by your side.