About Julie Farrell
Julie Farrell — 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 experience. Community Leadership: Julie is an active member of the Lake Oswego Chamber of Commerce, where she leads a Women in Business group dedicated to elevation, connection, and community empowerment. A passionate educator and mentor, she is committed to raising professional standards and serving as a trusted resource for mortgage professionals throughout the Portland Metro Area. The 4 C's of Your Mortgage Experience Clarity | Confidence | Creativity | Connection Your Mortgage. Simplified.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 16780 Bryant Road, Lake Oswego OR, 97035
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc.