
Utah Branch
12647 Alcosta Blvd. Suite 300 San Ramon, CA 94583
Licensed for Utah Mortgages | Serving all Utah Counties
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801-330-0677 | Monday - Saturday, 9am - 8pm

WELCOME!
We believe communities are strengthened through home ownership. We will sit down with you and take the time to focus on your goals and help advise you on the steps to get there. We have over 25 years of experience lending in Utah and understand the unique challenges people face. Whether you are a first-time home buyer or need help with complicated tax returns, we have programs to help.
A dedicated Loan Officer is Your Advocate in the Mortgage Process.
A great loan officer does more than crunch numbers—they guide you through one of life’s biggest financial decisions with clarity and care. From finding the right loan program to navigating paperwork and deadlines, your loan officer is your personal expert and trusted partner. At Pinnacle, our loan officers take the time to understand your goals, answer your questions, and make the process smooth from start to finish—so you can move forward with confidence.
OUR REVIEWS
Julie Obray
Loan Officer
NMLS #36592 | Licensed in UT
Julie began her career in the mortgage industry in 1994 and has been passionate about helping people achieve their dream of homeownership ever since. With decades of experience and an in-depth knowledge of loan programs and products, she takes a personal approach to every client, tailoring solutions to meet their unique needs.
What truly sets Julie apart is her unwavering commitment to making the mortgage process smooth and stress-free. She cares deeply about the people she serves, going above and beyond to ensure they feel informed, supported, and confident every step of the way. For Julie, the most rewarding part of her career isn’t measured in numbers, it’s found in the lasting relationships and friendships she has built along the way.
Outside of work, Julie is a proud mom of twins and loves spending her free time outdoors with family and friends. Whether she’s boating or wakeboarding on the lake, or simply soaking up the sunshine, she believes in living life to the fullest and cherishing time with the people who matter most.
If you’re looking for a trusted mortgage partner who will make your experience personal, easy, and seamless, Julie is here to help.



OUR BRANCH VISION
Empowering People, Strengthening Communities
At Pinnacle Home Loans, your voice matters. We value diverse perspectives and believe that fostering an inclusive, supportive environment leads to greater strength and growth—not just in business, but in our families and communities.
Just as every loan is unique, so is every individual, and we are committed to making a meaningful impact by embracing diversity, encouraging collaboration, and giving back to the communities we serve.
JOIN OUR TEAM!
At Pinnacle, we believe exceptional service starts with empowering exceptional people. As a loan officer here, you’ll enjoy the freedom to build lasting client relationships—without the pressure of chasing volume. We provide modern tools, personalized marketing support, and a collaborative culture that values ethics, service, and long-term success. If you're passionate about helping clients achieve their goals and want to be part of a team that prioritizes quality over quotas, Pinnacle is the place to grow your career.










