working with Julie as my buyers lender! Throughout the entire process, she maintained clear and effective communication, keeping both the buyer and me informed every step of the way. Julie's dedication and professionalism were evident, and she went above and beyond to ensure a smooth transaction. One of the remarkable aspects of Julie's service was her efficiency. She managed to clear the file two weeks before the scheduled closing, providing the buyer with the opportunity to close early. This not only demonstrated her expertise but also showcased a commitment to delivering exceptional results in a timely manner. If you're in search of a reliable and proactive lender, I highly recommend Julie. Her attention to detail, proactive communication, and ability to expedite the closing process make her an excellent choice for anyone navigating the complexities of real estate financing. Thank you, Julie, for your outstanding service!

Teresa made our first time home buying experience quick and easy. I was given knowledge and answers to questions when needed. I never felt like I couldn’t rely on her at anytime if I had any concerns! Her eagerness to help us was very helpful and great!

I got a great person named Julie Velline. She has no idea how much i appreciate her. Made it so easy to work with and accomplish my goal. Plus side for me I ended up in a better position than I expected. It was above and beyond.

I don't usually reach out this way, but I felt compelled to do so after my last experience working with Julie Velline. We have worked with Julie in the past with the purchase of our home in 2019. She was then and always since then has been a tremendous help with every question I have ever contacted her with. She always answers in a quick and timely manner. Always professional always a pleasure to communicate with. This time she went over and beyond with her customer service she has to be the most understanding, caring, intelligent, human being I have ever had the pleasure of working with. To give you just a little insight to how wonderful this person is we were starting a home equity loan at the beginning of September. And of course I contacted Julie for her assistance in the matter. Well shortly after I contacted her there were some traumatic events that occurred to do with my family. One of which was the death of my mother needless to say I was a mess. And with all the paperwork and everything I was constantly calling and texting her not knowing what certain documents look like, how to send them, ect.. My emotional state was abit erratic to say the least. But with her patience and caring and understanding heart. She got us threw the process in a timely manner. She always remained professional. But truly knew she also cared. I will refer everyone I know to her as a lender. And I will always go to her for any of our family business. Thank you for your time in reading this. I just really wanted you to know what a wonderful person you have representing Heritage Bank. Thank you Jeanie Schalow.

with Chris Vraa on several mortgage/refinancing transactions. She was very friendly, helpful and kept us informed at every step. Would highly recommend.

working with Julie as my buyers lender! Throughout the entire process, she maintained clear and effective communication, keeping both the buyer and me informed every step of the way. Julie's dedication and professionalism were evident, and she went above and beyond to ensure a smooth transaction. One of the remarkable aspects of Julie's service was her efficiency. She managed to clear the file two weeks before the scheduled closing, providing the buyer with the opportunity to close early. This not only demonstrated her expertise but also showcased a commitment to delivering exceptional results in a timely manner. If you're in search of a reliable and proactive lender, I highly recommend Julie. Her attention to detail, proactive communication, and ability to expedite the closing process make her an excellent choice for anyone navigating the complexities of real estate financing. Thank you, Julie, for your outstanding service!