Community Lending
The Journey to your New Home Starts Here.
Did you know there are programs that help buyers within certain areas, or with lower incomes, purchase a home? These programs can help assist with down payments, provide more flexible loan options, and reduce, or even remove, additional barriers some may face to home ownership. Our community lenders are here to help make your journey to your new home a little easier.
Julie Krumholz
AVP/Community Lender
NMLS ID: 130833
Phone: 248.266.7688
Julie Krumholz - Community Lender
As your community lender, Julie is ready to help you with all aspects of one of the most important decisions of your life. With over 35 years in the mortgage industry, Julie brings a wealth of experience to her clients. She started in the banking industry, transferred to the mortgage division, and promptly discovered mortgage lending is where her passion lies. She’s worked in underwriting, quality control, processing, closing, and loan origination. Her comprehensive background allows her to advise her clients with expertise.
On a personal level, you will find Julie to be friendly, straightforward, honest, and extremely dedicated to her clients. She is able to communicate complex mortgage terms in simple, clear language. Julie shares the best part of her job is seeing the excitement of first-time buyers at closing making their dream a reality.
Accreditation/Experience
- Over 30 years in the mortgage industry
- Registered loan officer with the State of Michigan
- Licensed NMLS Loan Officer since 7.31.2010
- Member Romeo, Washington, Bruce Chamber of Commerce
- Member Women’s Council of Realtors – Rochester
MSHDA
Michigan homebuyers can save on closing costs and get up to $10,000 in a no-interest down payment assistance loan through the Michigan State Housing Development Authority. This program can be used in conjunction with other lending programs, contact Julie or other lenders for details.*
First Time Home Buyer and Government Programs
If you can afford rent, you may be able to own. We have low and no down payment options, including FHA, VA, and Rural Development loans.*
Community Heroes Program
This adjustable rate mortgage is available to teachers, emergency medical technicians, paramedics, police officers, and fire fighters. You will be able to borrow up to 99% of the home purchase value. This product also offers reduced mortgage insurance costs.*
FHLB
Additional Products
Unsure if any of these lending options will fit your needs? We offer a wide variety of products. TO learn more please contact any of our experienced lenders, contact information can be found here.*
Why Choose Superior?
For over 130 years, Superior National has been one of Michigan’s most respected community banks. We prioritize people and businesses in the communities we serve.
9 branches in the U.P. and Southeast Michigan. To find a branch near you, please visit our locations page.
Related Resources:
- Mortgage/Home Equity Loan Application
- Mortgage Application Checklist
- First Time Home Buyer Booklet
- Lending FAQ
*Programs for qualified borrowers. All borrowers are subject to credit approval, underwriting approval, and product requirements, including loan-to-value, credit score limits, and other lender terms and conditions. Fees and charges are subject to change at any time. Some restrictions may apply. Not a commitment to lend.
