Julio Cesar Berrocal
Get to know Julio
Bilingual (English/Spanish) Loan Officer with 10+ years in real estate and lending, serving Tampa Bay and clients across Florida & Texas. I specialize in first-time buyers, down payment assistance, self-employed borrowers, ITIN loans, and investors/DSCR. Known for fast communication, clear guidance, and solving issues early to keep closings smooth and on time.
Why choose Julio?
Licensed in:
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Years of experience:
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Questions? Julio has answers.
We prompted questions to Julio so you can learn more about their skills, preferences, and availability.
I connect through Realtor + past-client referrals, Facebook/Instagram, community events, and workshops. Most start via DM/text/phone, then a quick call or Zoom to review goals and options.
Clear, fast communication. Quick call + doc review, strong pre-approval, and a plan. Under contract I coordinate with Realtor/title, give updates, clear conditions, and get you to closing.
I can provide a pricing estimate using your stated score, income, and down payment No hard pull. When you’re ready, we run credit once; mortgage pulls close together usually count as one.
ID, last 30 days pay stubs, last 2 years W-2/1099s & tax returns, 2 months bank statements, proof of funds. Self-employed: business returns/P&L.
I review your credit report, explain what’s lowering scores, and give a step-by-step plan (pay down cards, correct errors, build history). We track progress and recheck when ready.