Julio Cobian
Loan OfficerNMLS #691954Mortgage advisor based in San Diego and also serving across Northern California counties including Butte, Glenn, Shasta, and Tehama. Treats every loan as custom-built: no single structure fits every borrower. Works as a partner through the full process, pairing financing solutions with education so clients reach the closing table informed. Strategic, persistent, and direct.
Born and raised in San Diego, I’m proud to serve the community that shaped me while also staying deeply connected to Northern California, including the counties of Butte, Glenn, Shasta, and Tehama.
For me, this business is about far more than loans or transactions — it’s about relationships, trust, and helping people build a future they feel proud of. I believe buying a home is one of the most meaningful investments someone can make, and I strive to make every client feel supported, educated, and confident throughout the process.
I believe in doing business the right way: with honesty, communication, and genuine care for the people I work with. Many clients become lifelong friends, and that’s one of the most rewarding parts of what I do. Whether helping first-time buyers, growing families, or clients relocating across California, my goal is always to create a personalized experience that feels approachable, empowering, and authentic.
Julio Cobian
Loan Officer | NMLS #691954
Licensed: CA