FHA Loans
Juli Surface
Mortgage Banker
NMLS #: 808337
4719 S Florida Avenue, Lakeland, FL 33813
About Juli Surface
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.
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First-Time Buyer Resources
- Resources for first-time homebuyers
- Tips for improving your credit score
- Get information on pre-qualifying
- Learn about the loan process
- Find a checklist of information you'll need to gather
- Learn about Down Payment Assistance programs
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Try Our Mortgage CalculatorRecent Reviews
Juli was super helpful, and was always willing to take my call! I was a first time homebuyer so naturally I had a lot of questions, and she helped with those as well! If you want someone who's willing to go the extra mile, Id definitely recommend!
Absolutely amazing person. She explained everything with care to us, helped us build credit with no judgement, from beginning to end. She was always available and never made us feel like any questions were not valid. She’s a people person, not just a robot that does it as a paycheck. She made the process easy and not as stressful as it could have been. I give her 10 stars hands down!
Wonderful experience working with Juli Surface. She knew what step to take and was an excellent guide to get each one reached. There were a lot of hoops to jump through but Juli was there with me helping. I would text here if I needed something - during and after hours and I got a response in an extremely rapid manner. All and all - Juli made my mortgage process easier and alot less stressful.
