Julie Krumholz-Superior National Bank NMLS 130833

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Shelby Charter Township, MI
Julie Krumholz-Superior National Bank NMLS 130833

With over 30 years of experience in the mortgage industry; I have the knowledge and skills to assist clients with their mortgage financing needs.

I have been providing lending solutions for over 30 years now and enjoy seeing the face of a happy and excited customer at the closing table. I have been married to my husband for 30 years and we have 3 beautiful daughters. I enjoy reading, traveling and spending time with family at our cottage. I am an active member of my local chamber of commerce and the Women's Council of Realtors. My goal is to make every loan transaction a good experience for the customer, to be a positive role model, and to apply my best work every day. Accreditations/Experience:

Over 30 years in the mortgage industry
Registered Loan Officer with the State of Michigan (NMLS #130833)
Licensed NMLS Loan Officer, effective 7/31/2010
Member Romeo, Washington, Bruce Chamber of Commerce
Member Women’s Council of Realtors

10/01/2026

OCTOBER
🎀 Breast Cancer Awareness Month

HOPE • STRENGTH • COURAGE

Supporting the fighters. Celebrating the survivors. Remembering those we’ve lost.

JulieYourLoanGal 💗

09/26/2026

Just Ask Julie: Home Loan Edition

🔑 “Is an FHA loan only for first-time homebuyers?”

No! That's one of the biggest misconceptions about FHA financing.

FHA loans are government-insured mortgages that may offer options for buyers who have a smaller down payment or credit circumstances that make other financing less suitable.

And you do not have to be a first-time homebuyer to potentially use an FHA loan.

Every buyer is different, so the important question isn't “Is FHA a good loan?” It's “Is FHA the right loan for MY situation?”

That's where I come in. 🩵

Just Ask Julie!

09/23/2026

🏡✨ Dream Home Question!

If money, time, and construction mess were NOT an issue… 😂

What ONE thing would you renovate in your current home?
🍳 A brand-new dream kitchen
🛁 Spa-like primary bathroom
🏡 Finished basement
🌿 Backyard & outdoor living space
🧺 Bigger laundry/mudroom
👗 Dream walk-in closet
🚗 Garage makeover
➕ Add more living space

Or is there something completely different on your wish list?

👇 Tell me what you’d renovate first!

And for those of you who wouldn't change a thing about your home...I want to hear that too! 💙

JulieYourLoanGal

09/22/2026

🚨🏡 HOME BUYER PSA: More Buying Power May Be Coming!

If you’ve been thinking about buying a home, there’s some mortgage news you’ll want to know!

Some lenders have begun rolling out early 2027 conforming loan limits of $845,000 for eligible one-unit properties—before the official 2027 limits are announced. 🙌

Why does this matter?

A higher conforming loan limit could allow some buyers to finance a higher-priced home without moving into jumbo-loan territory.

Jumbo loans may come with higher interest rates, larger down payment requirements, and additional appraisal restrictions. Avoiding jumbo financing could help some buyers access more favorable loan terms, depending on their qualifications and overall loan scenario.

If you’ve been on the edge of the conforming loan limit—or thought the home you wanted would require jumbo financing—it may be worth taking another look! 🏡

💙 Every borrower and loan scenario is different. Let’s talk about what these potential changes could mean for you.

Just Ask Julie!

09/19/2026

Just Ask Julie: Home Loan Edition

🎁 “Who can give me gift funds when I'm buying a home?”

You may be surprised to learn that gift funds can sometimes come from more than just Mom and Dad!

Who is considered an acceptable donor—and how those funds need to be documented—can depend on the type of mortgage you're using.

The most important tip? Talk with your lender BEFORE anyone transfers money. That way, we can make sure everything is handled correctly from the beginning.

Have someone who wants to help you with your home purchase?

💙 Just Ask Julie! Let's talk about your specific situation.

09/16/2026

Thank you so much. Buying a house can be a stressful transaction. I try to make the transaction as easy as possible and keep everyone informed throughout the buying process.
Congratulations on your new home!

09/14/2026

Team work at its best. I’m glad we both ended up with a happy client and smooth transaction!

09/13/2026

💙 Happy Grandparents Day! 💙

Of all the titles we’ve been blessed with over the years, Grandma & Grandpa might just be two of our favorites. ❤️

There’s nothing quite like the love, laughter, hugs, adventures, and memories that come with being grandparents. These kiddos bring so much joy to our lives, and we are incredibly grateful for every moment we get to spend with them.

Happy Grandparents Day to all the grandparents out there! 🥰

What’s your favorite thing about being a grandparent—or your favorite memory with your own grandparents? I’d love to hear it! 👇

09/12/2026

🏡 JUST ASK JULIE: Home Loan Edition

🎁 Let’s Talk Gift Funds!

“Can someone help me with the money I need to buy a home?”

In many cases, YES! Gift funds may be an option to help with eligible home-buying expenses, depending on your loan program and situation.
But here's the important part... 👇

Gift funds aren't simply money that gets transferred into your account. There are guidelines that need to be followed, and your lender may need documentation showing where the funds came from and confirming that they are truly a gift—not a loan that needs to be repaid.

That's why it's important to talk with your lender before any money changes hands.

Thinking about buying a home and have someone who would like to help? Let's talk about your options and make sure everything is handled correctly from the beginning. 🏡🔑

💙 Have questions about Gift Funds? Just Ask Julie!
JulieYourLoanGal

Address

47686 VanDyke Avenue
Shelby Charter Township, MI
48317

Website

http://www.julieyourloangal.com/, https://blinq.me/1fj7mTucxaD5, https://g.page/r/CYZbetqDVabBEBM/review

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