Portrait
Portrait coming soon
Mortgage Loan Originator
Julia Kovalskiy
Residential Mortgage Loan Originator · NMLS #2661068
Before mortgages, I spent a decade in operations at major tech companies — work that comes down to untangling messy, high-stakes problems for real people. A home loan is the same kind of problem, just more personal. I treat your file like one to solve, not a form to push through.
I'm an Austin-based broker in West Lake Hills, licensed in Texas and Florida and sponsored by C2 Financial Corporation. I work with the buyers conventional lenders tend to turn away — first-time buyers, the self-employed, business owners, and jumbo buyers — and I shop a national network of 120+ lenders to find the loan built for your situation, not the one a bank happens to sell. Many clients are pre-qualified within a day and close in 30–45 days.
My mom came to this country at 21 with nothing, so I know what a home really stands for. When you call me, you reach me.
- First-time Buyers
- Self-employed
- Conventional
- FHA
- Jumbo
- Brokerage
- C2 Financial Corporation · NMLS #135622
- Licensed In
- Texas · Florida (#LO143620)
My Story
I don't hear an obstacle. I hear my parents.
My mom was eight months pregnant with me when she and my dad boarded a plane out of Ukraine. They were 21, refugees, with no English and no plan beyond get there.
They started over the way most immigrants do — quietly, exhausted, learning the language one word at a time. Eventually they did the thing they came here to do: they bought a home.
That house is the reason I do this work. Not metaphorically. Literally. I watched two people who started with nothing build a life around four walls, in a country that didn't know their names. So when someone tells me they don't think they can qualify, or the bank already said no, or they're self-employed and the paperwork is a mess — I don't hear an obstacle. I hear my parents.
Buying a home is one of the hardest things most people will ever do. It's also one of the most important. I help people do it — especially the ones who've been told they can't.
What I Do Differently
Three things you don't get from a bank.
You get me, start to finish.
No call center, no junior assistant, no chatbot. From our first call to the day you get your keys, you work with one person — me. I answer texts on Saturdays and pick up when you're standing in a house deciding whether to make an offer. Most clients hear back the same business day.
I read your file like an operator.
Before mortgages, I spent a decade in operations and trust & safety at companies like Meta, TikTok, and Indeed — untangling messy, high-stakes problems at scale. I bring that same lens to your file. With 120+ lenders to work with, I match your real situation — the write-offs, the 1099 income, the timing — to the lender whose guidelines were actually built for it. Not the one that pays me most.
I take the files banks won't.
Self-employed buyers, 1099 contractors, business owners whose tax returns make underwriters flinch, first-time buyers who don't yet know what they don't know. My mom landed in this country at 21, eight months pregnant, with nothing — so 'you don't fit the box' has never sat right with me. The files other lenders send away are the ones I built my practice around.
Who I Work With Most
Borrowers I work with most.
First-time buyers in TX or FL
Patient guidance through your first home purchase. Conventional, FHA, and down payment assistance programs across both states. No pressure, no shortcuts — just a clear path.
Self-employed and business owners
1099 contractors, S-corp and LLC owners, freelancers. Bank-statement, P&L, and 1099-based programs that qualify you on your actual income — not what's left after deductions.
Move-up and jumbo buyers
Higher loan amounts, second homes, and discretionary purchases. Discreet, considered service for buyers who care about how they're treated as much as the rate.
Don't see yourself here? Send me a note anyway — chances are I've worked with someone in your situation.
Next Step
Let's get started.
Apply when you're ready, send me your situation first, or just say hi. Same business day, every day.