Residential Mortgage Loan Originator · NMLS #2661068
Mortgage guidance that feels less like paperwork and more like a conversation.
I'm Julia Kovalskiy — an Austin-based Residential Mortgage Loan Originator licensed in Texas and Florida. I specialize in mortgages for self-employed buyers, first-time buyers, and anyone who's been told they don't fit the box.
Licensed in
Texas & Florida
What to expect
Direct. Specific. On the record.
24 Hours
Pre-qualification
Most clients are pre-qualified within one business day of our first call.
30–45 Days
Typical close
From accepted offer to keys in hand. Faster when you need it.
120+
Lender partners
I shop across a network of 120+ lender partners through C2 Financial Corporation to find the right fit for your file.
Same Day
Response time
Texts, calls, and emails answered the same business day. Always.
About
Direct access. Faster answers. Better fit.
I'm an Austin-based mortgage broker licensed in Texas and Florida. I work with first-time buyers, self-employed borrowers, and anyone whose financial picture doesn't fit a standard lender box. My day starts at the phone and ends at the phone — when you call me, you reach me.
Based in Austin, I work with buyers and homeowners across the entire Texas market — Austin, Houston, Dallas, San Antonio, and everywhere in between — and across Florida from Miami to Tampa to the Panhandle. As a broker sponsored by C2 Financial Corporation, I shop a national network of 120+ lender partners to find the right loan for your specific situation.
What I'm known for
Mortgages for borrowers banks don't understand.
Self-employed. 1099 contractor. Business owner with write-offs that lower your tax bill — and lower the home you qualify for. I work with bank-statement, P&L, and 1099-based mortgage programs that let you qualify on what you actually earn, not what's left after deductions. Built for the borrowers banks send away.
Also working with
Every other residential program, too.
How it works
Four honest steps from first call to closing day.
Discovery call
A 15-minute call to understand your situation. No application, no credit pull, no commitment — just clarity on what's possible.
Pre-qualification
Most clients are pre-qualified within 24 hours. You'll know exactly what you can afford and which programs fit before you tour a single home.
Application
When you're ready to make offers, we submit your full application together. Documents in one place, status updated daily, no chasing.
Closing
Most loans close in 30-45 days. I keep your file moving through underwriting and stay on the phone with you, your agent, and the title company until you have keys.
Plan quietly
Run the numbers on your own time — no inbox, no follow-ups.
Learning
A quiet library for borrowers.
Newsletter
Occasional notes on buying, borrowing, and the in-between.
Next step
Ready to begin?
Apply when you're ready, or send me your situation first — I respond personally, same business day.