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About Julia

Julia Bridgewater joined Centennial Lending in March 2020. She has been a Relationship Manager in business banking since 2010 with Wells Fargo, Key Bank and Bank of the West. She has been a top producer and specializes in commercial real estate loans, C&I lending and SBA. Julia is originally from Ukraine, has lived in USA since 2001 and in Denver since 2004. She lives in Centennial with her family.

She is an energetic, driven and highly motivated Relationship Manager, dedicated to exceeding client expectations, developing and building strong long lasting fruitful working relationships with customers to gain their trust and respect.

Julia has a Bachelor’s Degree in International Economics and Spanish language from Institute of International Relations in Kiev, Ukraine (1998) and MBA from University of Colorado Business School in Denver (2010), and speaks Russian and Spanish fluently.

 

Seamless. Julia was on top of it from start to finish. Looking forward to future closings!

Michael K., K & H RE Holdings

Julia was very professional and straightforward. She was pleasant, responsive, and knowledgeable. I appreciate her willingness to help us.

Linde T.

Contact Me Today!

I would love to talk and encourage calls at 720-951-0501. Alternatively, you are invited to complete the following contact form. I will review the information and get back to you as soon as possible.
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Commercial Real Estate, Construction, & Residential Lot Rates

Base Interest Rate Rate Adjustment Loan Term Indicative Spread
at Adjustment

Indicative Start
Rate and Floor
3 Year CMT Every 3 Years Fifteen Year Term 2.750% 6.250%
5 Year CMT Every 5 Years Fifteen Year Term 2.750% 6.500%
7 Year CMT After Year 7 Fourteen Year Term 2.750% 6.750%
10 Year Fixed Fixed Rate  Ten Year Term Fixed Rate 7.000%

Maximum amortization is 25 years. Loan may be utilized in conjunction with a Small Business Administration 504 loan to increase allowable combined loan to value.

Interest Rate Index Rate Adjustment Loan Term Indicative Spread
at Adjustment

Indicative Start
Rate and Floor
3 Year CMT Every 3 Years Fifteen Year Term 2.500% 6.000%
5 Year CMT Every 5 Years Fifteen Year Term 2.500% 6.250%
7 Year CMT After Year 7 Fourteen Year Term 2.500% 6.500%
10 Year Fixed Fixed Rate  Ten Year Term Fixed Rate 6.750%
15 Year Fixed Fixed Rate  Fifteen Year Term Fixed Rate 7.625%

Maximum amortization is 30 years. Non-owner occupied properties only.

Interest Rate Index Rate Adjustment Loan Term Maximum LTV/
Maximum LTC

Indicative Start
Rate and Floor
WSJ Prime + 1% – 2.5% Monthly One to Five Year Term 75% 8.750% – 10.250%

Base Interest Rate Rate Adjustment Loan Term Indicative Spread
at Adjustment

Indicative Start
Rate and Floor
3 Year CMT Every 3 Years Fifteen Year Term 2.750% 6.250%
5 Year CMT Every 5 Years Fifteen Year Term 2.750% 6.500%
7 Year CMT After Year 7 Fourteen Year Term 2.750% 6.750%
10 Year Fixed Fixed Rate  Ten Year Term Fixed Rate 7.000%

Maximum amortization is 30 years.

Loan Term Rate Adjustment Property Type Maximum LTV /
Maximum LTC

Indicative Rate
12 Months Fixed Owner Occupied Residential 80% / 80% 8.250%
12 Months Fixed One-to-Four Family Investment 75% / 75% 8.625%
12 Months Fixed Commercial 75% / 75% 8.625%

Origination fees are typically 1.5% of the loan amount plus reasonable and customary closing costs.

Maturity Rate Adjustment Loan Term Maximum LTV /
Maximum LTC

Indicative Rate
3 Years Fixed Fifteen Year Amortization 70% 9.500%
5 Years Fixed Fifteen Year Amortization 70% 9.750%
7 Years Fixed Seven Year Amortization 70% 10.000%

Origination fees are typically 1.5% of the loan amount plus reasonable and customary closing costs.

Rates are set at time of commitment and may be adjusted based on risk factors. Origination fees are typically 1% of the loan amount plus reasonable and customary closing costs. The loan terms contained herein may not be all-inclusive and are subject to change until your loan is approved and accepted.

What You’ll Need To Apply

  • Signed Loan Application

  • Copy of your Drivers License

  • Improvement Location Survey

  • Contract to Purchase

  • Insurance Agent Contact Information

  • Schedule of Leases or Rent Roll

  • Leases and Letters of Interest

Ready To Apply?

Click the appropriate link below to download the application.
Once downloaded, complete the editable PDF, save, and upload the completed document using the secure link below.  

Apply Now: Commercial Real Estate
Apply Now: Commercial Construction
Apply Now: Mixed Use
Apply Now: 1- 4 Family
Apply Now: Multi-Family (5+ Units)
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