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  • 413 N. Carpenter St., Suite 1W Chicago, IL 60642 Mobile (630) 370-2360 Tel (312) 210-7070 JuliusB@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Julius Barrutia

  • SVP of Mortgage Lending
  • Chicago, IL Mortgage Loan Officer
  • NMLS #191744
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America’s #1 Retail Mortgage Lender

Hi, I’m Julius, and as a 16-year veteran of the mortgage industry, I’m known as a trusted professional with vast knowledge of home financing and an array of home loan products. With an extensive financial background, I have the experience and expertise to provide beneficial loan options while guiding you through the mortgage process. Based in our Chicago, IL branch, whether you’re a first-time homebuyer or an experienced real estate investor, I’ll listen to your goals and priorities to identify a home financing solution fit for you.

As part of America’s #1 Retail Mortgage Lender, you can count on top-notch customer service from application to closing and beyond. As hundreds of happy clients can attest, I’m dedicated to making sure your home purchase or refinance goes as smoothly as possible. I look forward to starting your home financing journey and providing you with the outstanding service you deserve.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Should I buy a house or keep renting?

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

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A contractor meets with the homeowner and discusses improvements to create their dream home.

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Make Any Home Your Dream Home

Tired of leaving open houses without finding “the one?” With a renovation loan, you can bring your ideas of the perfect home to life! 

Here’s how: 

  • Finance the costs of buying and upgrading a home with one loan, so you can purchase an imperfect but good (and probably less expensive) house and add your personal touch.  
  • Refinance the cost of home improvements to get the benefits of moving without the packing and unpacking, figuring out new utilities…you know the hassle. 
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Inspiration for your home loan journey

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

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