Julie Waldron · Senior Loan Officer

Your home journey,
guided by people who care

Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every step focused on an on-time closing.

Apply NowSchedule a Call
NMLS #26590525+ Years ExperienceLicensed in 1 State
186
Recent Loans Closed
25+
Years Experience
4.91★
Average Rating (975 reviews)
Julie Waldron — Senior Loan Officer
Julie Waldron
Senior Loan Officer · NMLS #265905
Direct(414) 305-9915
EmailJWaldron@afncorp.com
Meet Your Loan Officer

The mortgage process should feel like a milestone, not a headache.

Meet Julie, a trusted Loan Officer at American Financial Network who is a loan specialist serving all of Wisconsin. With more than 25 years of mortgage lending experience, she has built a reputation for exceptional customer service, fast approvals, strong communication and on time closings. She has hundreds of highly rated client reviews and is consistently recognized for helping borrowers navigate the home financing process with confidence. She takes pride in making the mortgage process simple, stress fee and personalized for every client. Whether you are purchasing your first home, refinancing an existing mortgage, or exploring your financing options. Julie is committed to finding the right solution for your unique situation.

Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.

“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #265905
Licensed 1 State
AFN NMLS #237341
A Better Way

Traditional process vs. working with us

Traditional Process
✕
Phone tag & voicemail
Wait hours or days for a callback from your loan officer
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Manual paperwork
Print, sign, scan, and email stacks of documents
✕
Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Julie + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Julie follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
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Real-time status tracking
Know exactly where your loan stands at every moment
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Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs

Every option. Your best fit.

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Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
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VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
◆
Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
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Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
◆
Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Available 24/7

Meet Sophia,
your AI-powered mortgage assistant

Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Julie's expertise and AFN's full lending platform. When you're ready, Julie steps in personally.

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Estimate monthly payments based on your actual scenario
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Explore loan programs matched to your situation
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Start your application without waiting for a callback
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Check local market conditions and neighborhood data
S
Sophia
Backed by Julie · NMLS #265905
Hi, I'm Sophia — Julie's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences

Trusted by families nationwide

★ ★ ★ ★ ★
Julie communicates everything very clearly and as quickly as she can. We were never waiting too long for a response unless it was communicated beforehand that there would be a delay. She made the whole thing very easy to process.
Jasmine T
AFN Client
★ ★ ★ ★ ★
Communication was very clear, quick, and easy with Julie. She and her team made everything smooth and easy. We already have friends and family asking who we went through because their experience (or what they've heard from others) has never been like ours.
Jasmine L A.
Burlington, WI
★ ★ ★ ★ ★
Julie made the process extremely easy and she was always easy to get ahold of. Loved working with her, my realtor enjoyed working with her as well. Will definitely refer her and if needed I'd work with her again. I'm extremely grateful to have her working on my behalf. Stephenie
Stephenie Ruffin
AFN Client
★ ★ ★ ★ ★
Julie made the process extremely easy and she was always easy to get ahold of. Loved working with her, my realtor enjoyed working with her as well. Will definitely refer her and if needed I'd work with her again. I'm extremely grateful to have her working on my behalf. Stephenie
Stephenie R R.
Germantown, WI
★ ★ ★ ★ ★
Julie was available around the clock to answer question! She provided great service!
Navita K.
Milwaukee, WI
Tools

Payment Calculator

$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years
Start My Application

This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.

Real Estate Partners

Are you a real estate agent?

I provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet for instant updates. Let's build a partnership that elevates your business.

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Get in Touch

Ready to get started?

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Julie typically responds within 24 hours. No bots, just expert advice.