Ryan Juliot

Mortgage Loan Officer

NMLS#369051

1200 West County Rd. E
Suite 200
Arden Hills, MN 55112

Awards

Meet Ryan

With over 12 years in the finance industry, Ryan’s expertise has helped countless clients achieve their financial and homeownership goals. Ryan has the knowledge to structure a mortgage best suited for your specific financial situation. He is committed to his clients every step of the way, from rebuilding credit to the closing table. He has built life-long relationships with many referral partners in the industry – expanding his knowledge and expertise and allowing him to work with a variety of clients, from first-time home buyers to construction loan borrowers and seasoned property investors. Whatever the type of home financing, Ryan works to ensure a smooth process and pleasant, memorable experience. My goal is your goal; together we can work on achieving homeownership.

When Ryan is not at the office, you can find him enjoying a round of golf, spending time with friends and family at the cabin, or on a patio enjoying the summer sun.

“We were extremely satisfied with everyone we worked with at Lake Area Mortgage. We almost didn’t close on time and they came through to make it work! We would definitely recommend this team to anyone looking to sell or buy a home.”

Traci P., New Homeowner

FEATURED PRODUCT

Conventional Mortgage

A conventional mortgage is one of the most common types of home financing. They offer terms ranging from 10 to 30 years with fixed and adjustable rate options. This loan type is ideal for homebuyers who have the ability to put more money down at closing. although the minimum required down payment can be as little as 3%!

A larger down payment (20% or more) can eliminate the need for mortgage insurance, ultimately lowering your monthly payment! Gifted funds are allowed towards your down payment and closing costs.

You may purchase a primary residence, secondary residence, or investment property via a conventional loan.

BUY

Homebuying Solutions

For first-time homebuyers, move-up buyers, second home purchases, and investment properties. Lake Area Mortgage is dedicated to making the entire process smooth and simple.

BUILD

Building Your Dream Home?

Lake Area Mortgage makes financing easy with our Single-Close Construction Loan – one loan, one set of closing costs.

REFINANCE

Thinking About Refinancing Your Mortgage?

We’re here to help you take the next step. Lake Area Mortgage can help you determine whether refinancing is right for you.

REMODEL

Don’t Move. Improve!

The Lake Area Mortgage Renovation Loan provides a simple and convenient way for borrowers to finance home improvements and renovations.

Mortgage Calculators To Help Plan Your Home Purchase

Our Easy Loan Process

Let’s Talk About You

Set up a meeting with your mortgage loan officer to discuss your home financing needs, goals, and current fiscal situation. Be prepared to provide information on your current income, assets, and liabilities. You’ll also need to agree to a review of your credit report. We’ll use this information to provide a pre-qualification for a loan, including the loan amount that you qualify for.

Shopping for a home with pre-qualification is shopping with confidence!

Apply Online

Your loan officer will provide you with a more detailed list of required documents for your official loan application. The documents required to approve and underwrite your loan can vary depending on program, credit score, and job type.

During this step, you’ll also be looking to make an offer on your new home.

Let Us Do The Work

Once your offer to purchase a home has been accepted, your loan officer and their team will begin processing your file for underwriting. During this time, we may request additional items that we need to approve your loan.

Generally, your rate will be locked at this time and an appraisal will be ordered.

Underwriting Process

Our in-house underwriting team will review the file to issue a loan decision. Your approval may require you to submit additional items. Once these extra items are submitted, we’ll be able to obtain final approval in 24 to 48 hours and your loan will be clear to close!

After your loan is clear to close, you will be notified of the exact amount of money you will need to bring to closing.

Clear to Close

Once you sign the final loan documents, the transaction will be completed and closed.
Congratulations!

If your loan was a purchase, you’re a new homeowner! Your real estate professional will have your house keys at closing or schedule a time to deliver them.

If your loan was a refinance, enjoy the benefits of your new loan!

Our History

Lake Area Mortgage is proud to have been a top local lender with a reputation for providing expert mortgage loan services since 2007. Lake Area Mortgage is a division of Royal Credit Union, meaning that by obtaining a Lake Area Mortgage loan you also become a Member of Royal Credit Union. During the loan process, you’ll open a Royal Credit Union savings account as your share in the credit union and gain access to all the accounts, loans, and services that Royal Credit Union offers.

Our #1 Priority is your Satisfaction

All stages of the loan process are handled here, at Lake Area Mortgage. You’ll appreciate our experienced staff, in-house processing, underwriting and closing department to help ensure the loan process goes smoothly.

We pride ourselves on having award-winning loan officers who are dedicated to helping customers land their dream homes. Our local market knowledge can be key during your homebuying process.

Ryan Juliot

Mortgage Loan Officer | NMLS#369051

Royal Credit Union is a proud Equal Opportunity Employer. | Loans subject to approval

© Copyright 2022 – Lake Area Mortgage™, a division of Royal Credit Union – NMLS ID# 543781

1200 West County Road E, Suite 200 | Arden Hills, MN 55112
Phone : (651) 209-2900 | Fax: (651) 209-2929