Juliana Pendergist is a first-generation American and a successful business woman with over 25 years of experience involving real estate, mortgage lending, and finance, and superior leadership and customer service skills—a combination that has driven her remarkable career, from a young intern to her current role as a mortgage broker for C2 Financial Corporation. Born in South America, a Chinese-born Colombian, she immigrated to the U.S. with her parents at age nine. The youngest of three siblings, she was designated to take care of her family’s business during high school. In college, she assisted her family in several real estate and lending transactions that helped her realize that she was building a passion for finance in the real estate industry.
After graduating from the University of California, Irvine with a double major in economics and art history, and with a minor in business management, Juliana was quickly recruited to be one of the last interns for Merrill Lynch. She acquired her Series 7 and 66 and quickly became the youngest financial advisor in her region. That is where she met a colleague from Cendant Mortgage and transitioned her career to residential lending working for a big national internet mortgage lender, Ditech.com/GMAC Mortgage, in the mecca mortgage hub of Orange County. Starting out as a loan processor, then promoted to a processing manager, it wasn’t until she decided to become a loan officer that she realized that by helping people achieve their financial goals, she was able to make an impact in their lives. With a strong background in operations, she’s able to ensure a smooth transaction from start to finish. “I believe having processing experience has provided me with a strong backbone and more knowledge to understand what we can and cannot do right off the bat, which essentially helps us not waste time for our clients,” she explains.
After being in the mortgage industry for over a decade, Juliana was recruited by JPMorgan Chase to be their regional operations manager for the Northeast regions within the commercial term lending division. She helped with process improvement, created sales training materials, and managed numerous projects, including the creation of the “perfect file” and an in-house title ordering process, which was not easily accepted in the attorney/broker East Coast environment.
In 2014, Juliana joined CBRE as a vice president within the debt and structured finance department spearheading the launch of the Freddie Mac Small Balance Loan Program, which focuses on multifamily lending nationwide.
To broaden her market knowledge, Juliana also received her California real estate license, and as she worked with these big and highly credited financial institutions, she quickly realized that getting back into residential lending during these times would allow her to add value and make a substantial impact in the industry. Having experience in both commercial and residential lending, becoming a mortgage broker would give her more flexibility, a work-life balance, all while helping her clients with all aspects of real estate lending.
Juliana has always been recognized as a top producer, proven to be one the highest-rated agents, and consistently maintained the highest conversion/funding pull-through in her company. Her competitive nature and strong work ethic have been recognized by the relationships she has developed, and her clients are always amazed by her excellent customer service skills, which have allowed her to expand her client base over the years.
Her knowledge as both a real estate agent and mortgage broker allows her clients an extra advantage. “When I was a loan officer, I worked with real estate agents with all levels of experience, and, therefore, I’m able to make sure that the entire transaction, from start to finish, goes smoothly and that the client has a great customer experience. My knowledge in both areas means I can work with all parties in the negotiation process to ensure maximum value for all.” Juliana especially enjoys working on VA loans, which allows her to give back to veterans, who have provided service to the country.
“I’m all about a personalized approach, working closely with my clients so that they understand each step of the process and set the right expectations. What I enjoy the most about my work is helping people by increasing their cash flow and improving their overall quality of life. We are living in a different world right now, so every little thing counts these days.” As a broker and mortgage loan advisor, Juliana strives on helping people with one of the biggest transactions of their lives.
Mortgage Broker – C2 Financial Corporation