Headshot of Julia Ruby

Julia Ruby

Loan Officer

Bloomington, MN Mortgage Lender

NMLS #360609

7760 France Ave. S, Suite 1010
Bloomington, MN 55435
Contact Methods
mobile Mobile
(651) 238-4998


About Julia

After spending over 15 years in the mortgage business, I’ve learned everyone’s goals are different. When we work together, I’ll sit down with you and listen to understand your unique situation. I’ve helped many clients purchase or refinance their first, second, and third homes, plus investment properties and vacation destinations. No matter your homebuying path, I’ll guide you with a personalized process.

With everyone’s financial goals being so different, I take time to get to know every client individually. That way I can recommend the best mortgage solution for your goals and circumstances. My team and I have an extensive background with FHA, VA, USDA, conventional, jumbo, first-time homebuyer, and down payment assistance programs. Together, we’ll make a home financing plan fit for you.

We go above and beyond to ensure 100% customer satisfaction because we care about everyone who walks through our doors. I want you to know that our #1 priority is to provide a smooth, stress-free experience from application to closing. We’re excited to be part of your home financing journey.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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