Julio Lacayo

Julio Lacayo

Thank you for giving me the chance to be your mortgage loan officer. Whether it is your first home or your fiftieth, I am here to help you choose a loan program and to guide you through the homebuying process.

My Experience

I joined SWBC Mortgage Corporation as a Senior Loan officer, based out of Miami, FL and I specialize in all types of purchase, refinance, and construction loans. I am a dedicated mortgage professional with over 15 years of extensive experience and knowledge who can guide you through the home lending process from beginning to end. I am focused on building value for my clients by focusing on their needs and matching our services and values to create a winning result.

Whether you’re a first-time homebuyer, looking to trade up, deciding to downsize, or looking to add investments to your portfolio, I can help before you ever make an offer on a property. I’ll take the time to sit down with you to analyze your credit, income, and savings, helping you get a clear understanding of the type and amount of loan that is realistic. There are many factors to consider when applying for a home loan; interest rates are only one element of the complete package. I will help you consider all your options so you can concentrate on making the best decision.

I understand the importance of outstanding customer service and ensure it through comprehensive communication, availability, and weekly status updates. I make it my job to make certain that my clients understand and feel confident about their mortgage decision. In addition to outstanding customer service, I pride myself on staying up-to-date with emerging financial and housing trends, resulting in the most competitive rates and timely closings for my clients.

The financial aspects of homebuying can be stressful and overwhelming—but they don’t have to be when you have a qualified and devoted professional like me in your corner. As part of the SWBC Mortgage team, I’m dedicated to providing our clients with the SWBC values of integrity, accountability, trust, excellence, commitment, teamwork, and service. Contact me today and let’s get started in making your homeownership dream come true.

How it Works

Step 1: Share your goals

Buying or refinancing a home can be overwhelming. Contact me to chat about your homeownership goals. 


Step 2: Easily Apply

Apply online through TurnKey®, our simple and secure mobile-friendly application.


Step 3: Explore Your Options

With a clear picture of your goals and finances, we’ll find a loan program that best fits your needs.

SWBC Mortgage Client TestimonialsWhat's it like to work with us?

This was our first home purchase and everything was above our expectations and we couldn’t have been happier with the process!

Dallon M.

Everything was great. Very professional staff with good communication.

Adilene M.

You guys just nailed it! Awesome.

Cesar M.

Thank you! I wish I started with you earlier. Very knowledgeable team.

Jocelyn C.

Everything was perfect, we really appreciate SWBC for their hard work.

Bahadir E.

My TestimonialsWhat's it like to work with me?

Why SWBC
Mortgage