Welcome to RPM Mortgage Inc.
Julian Hebron is a retail mortgage lender and runs the San Francisco branches of RPM Mortgage, the largest private mortgage bank in the Bay Area. He's in his eleventh year with the bank. Before RPM he was Director of Marketing for UBS Global Asset Management, one of the world’s largest money managers.
Julian is founder and editor of The Basis Point®, an influential mortgage and housing blog for consumers. He's been writing about housing and investing for 15 years, and is regularly cited by CNBC, WSJ, and MarketWatch. Julian received a BA in Communications from San Diego State University. His licensing and industry credentials require annual curriculum and exams on real estate investment strategy, family lifecycle planning, taxation, market analysis, regulation, and compliance.
Julian lives in San Francisco with his wife and son.
Julian’s Approach & Team
Whether you’re a sophisticated investor or creating your real estate strategy for the first time, Julian takes a long-term consultative approach that integrates (or helps you establish) your overall financial planning goals. His knowledge of financial markets and the lending process means you’ll get the right advice, the best pricing, and your transaction will close with no surprises.
In addition to an internal team of underwriters and funders, Julian works with his full time Client Service Manager Jamie Wiley on every client and transaction. Prior to teaming up with Julian in July 2008, Jamie was in this same role for one of the Bay Area’s top loan producers for 10 years.
Julian has close relationships with Realtors, accountants, financial planners, attorneys (family law, trusts/estates, etc.), exchange companies, and escrow officers. He works with these partners to best advise clients and ensure transactions run smoothly.
Working with Julian
I look forward to talking to you about your objectives and options. Initial consultations are 30-60 minutes, and I provide advice and rate/fee quotes based on each client’s financial profile. So the best way to get fast, accurate feedback is to click green ‘Apply Online’ box atop this page and answer all questions in detail. All information is encrypted and will only be viewed by me and my team. Your information will never be shared or sold. We will NOT run credit nor contact employers, banks, etc. The ONLY WAY we will run credit or verify any of your data is if we obtain your verbal permission or signature when we speak to you for the first time.
If you’re more comfortable making contact before applying online, please email or call Julian (or Jamie at 415-701-2639). If you don’t live in California, please review our state licensing list, then Apply Online.
“You’re a fabulous, sharp professional team. I appreciate your support so much.”
- Deb (Fairfax, CA)
“From the moment we met Julian we were impressed with his refreshing balance of knowledge, professionalism and friendliness. Communication from him and his associates was reassuringly clear and timely; the whole team inspired complete confidence. We have since recommended Julian to others and look forward to working with him again.”
- Brent & Craig (San Francisco, CA)
“When friends mention they are in the market for a new home or a potential refinance I tell them that they must call Julian. He is trustworthy, knowledgeable and dependable.”
- John & Andrea (Mill Valley, CA)
“Julian put me first and, with his deep market knowledge and insight, he has become my trusted advisor for my family’s real estate transactions.”
- Brad & Jennifer (Granite Bay, CA)
“Julian is very knowledgeable not only about details of the mortgage market, but also where he saw interest rates going. Julian walked me through every step of the process so I felt comfortable making these huge decisions. We were able to time the market well and I was able to lock in an excellent rate for the long term.”
-Justin (San Francisco, CA)
”Thanks so much for your help. You guys are damn good at this stuff!”
- Bob & Melissa (San Francisco, CA)
“Julian and Jamie were very hands-on. They walked us through the process in terms we could understand. Additionally, we were never in the dark as they would let us know of everything that was going on with our home refinance. We feel that we got the best possible rate because of their commitment to us as clients.”
- Greg & Emily (San Francisco)
“Julian is a thoughtful, detailed-oriented mortgage banker that puts his clients first. Extremely easy to work with, get a hold of and super organized, Julian is a class act.”
- Eric & Michelle (San Diego, CA)
“Julian and his team were a pleasure to work with. He was exceedingly knowledgeable and took his time explaining our options to us. We are grateful for the care and excellent service we were given from start to finish.”
- Bart & Julie (Davis, CA)
“Julian and Jamie were flexible, efficient and well informed. We have worked with them many times and they continue to impress!”
- Lucas & Cynthia (San Diego, CA)
“For sure we weren’t their biggest account yet they gave us their full effort and attention from start to finish and made navigating the process from start to finish as painless as possible. We felt like they really cared about us, what we wanted and our happiness with the purchase. For me, being able to open the back door and tell the kids to go play outside is now a reality! We are very, very happy and very, very grateful for all their efforts.”
- Chuck & Vicka (Novato, CA)