Julie Manolis

Julie Manolis

Sales Manager
NMLS ID 206582

About

With over 20 years of mortgage origination as well as real estate industry experience (and more than 10 of those years with PHMC), you can rest assured that I will handle your transaction with the utmost knowledge and integrity. The process of obtaining a home loan should be one that leaves you knowing you made the best financing decision. It's my standard practice to make sure each and every one of my clients has a good experience.  

At PHMC, we are able to provide financing solutions to our customers to meet their individual needs. We specialize in all Conforming, Non-conforming, FHA, and VA loans available today. In addition, we offer unique jumbo, Non-QM and niche products that other lenders do not. Our fast turn-times and smooth transactions make us the lender of choice for many individuals and families nationwide.

Whether you are purchasing or refinancing, in addition to the A+ borrower loans, I'm an expert at outside-the-box solutions to meet the toughest financing needs. I have the knowledge and expertise to guide you into the best product for your current situation and make sure you feel comfortable throughout the entire process by having open lines of communication and answering any questions or concerns you may have.  One of the most exciting things a borrower can tell me upfront is they’ve been denied by other lenders for one reason or another as it gives me the chance to make things work and be the one to help them get it done!

 Make confident offers with a PHMC Purchase Pre-Approval Letter -- delivered fast using accurate information with all questions answered, and as much knowledge as I can provide to make sure you and your realtor are prepared to negotiate.  Please don’t hesitate to put your real estate agent in touch with me when you start the house hunting process and we can work together to make sure you experience the best possible outcome for the transaction.

Contact Info

Phone
Fax 312-702-8326

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Let me guide you through financing

At Platinum, is as easy as 1-2-3-4!
GET PREAPPROVED
Getting a pre-approval letter is the first step towards getting into a new home. You will need to answer some questions about your income, asset you may have and a credit check to see how much house you can afford. You will then receive a letter that contains the amount you are approved for based on the income, assets and credit information you provided.
MAKE AN OFFER
After you found the right home, it's time to make an offer on the house. This involves submitting a letter that includes information about yourself, your offer price and anything else you like to include in the offer. Most offers include an earnest money deposit, which contains 1%-2% of the purchase price of the home.
HOME APPRAISAL
An appraisal is always required to buy a home with a mortgage. It helps protect you as a borrower, by making sure that the current value of the property is not lower than what you are trying to buy it for.
Property
Last step is closing on your home. You will receive a closing disclosure, that gives you information about what you need to pay and a summary of your loan details. At the closing meeting, you will sign a settlement statement, mortgage note and mortgage or deed of trust to secure the mortgage note. After which you are finally the owner of your new home.
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