Julie Farrell at Rate (NMLS #182573) in Lake Oswego

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Your Mortgage. Simplified - Julie Farrell is an elite mortgage specialist and multi-state licensed lender based in Lake Oswego, Oregon, with over 20 years of experience helping high-net-worth clients and self-employed professionals achieve their real estate goals nationwide.

Distinctive Expertise for Complex Financial Profiles -
Julie specializes in sophisticated lending strategies that traditional banks often can’t accommodate. Her areas of focus include jumbo loans for high-value properties and customized financing solutions for entrepreneurs, business owners, and affluent individuals — including multiple alternative documentation programs that don’t require traditional tax returns.

Whether you’re purchasing a waterfront estate in Lake Oswego or financing an out-of-state investment property with complex income documentation, Julie provides strategic, personalized guidance designed for discerning borrowers.

Leadership & Recognition - As a Producing Area Manager at Rate and a Five Star Mortgage Professional, Julie leads with expertise and integrity. Rate has been recognized across the industry as the #2 U.S. Retail Lender by Scotsman Guide, Best Mortgage Lender by Fortune, Best Mortgage Lender for First-Time Homebuyers by Forbes, and Top Lender of 2025 by Motley Fool—reflecting the caliber of service and innovation Julie brings to every client relationship.

She is recognized for her ability to navigate intricate financial scenarios with precision and composure, collaborating closely with CPAs, wealth advisors, and luxury real estate professionals to design lending strategies that align with each client's broader financial goals.

Comprehensive Mortgage Solutions - Beyond her work with sophisticated borrowers, Julie offers full-service mortgage expertise including VA loans, first-time homebuyer programs, renovation financing, investment property loans, and refinance strategies — all delivered with meticulous attention to detail and a concierge-level client exper