Financing Solutions Tailored for You

Transforming Home Financing With Flexible and Personalized Loan Programs

Explore Our Loans Programs

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We Are the Game Changers

Tailored Services

Mortgage solutions for each client.

Extensive Loan Programs

Various loan options available.

Comprehensive Refinancing

Lower rates and adjust terms.

Secure Your Dream Home Now

As dedicated mortgage loan originators based in Jacksonville, Julie Payton Mortgage Team provides comprehensive mortgage solutions throughout Florida. Whether you're buying a home or refinancing, we are here to help you achieve your goals, save money, or unlock your home's equity for future plans.

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Specialized Loan Options for Every Need

FHA Loans
VA Loans
Conventional Loans
USDA Loans
Bank Statement, DSCR, 1099 Loans

Refinancing Made Easy

If you're considering refinancing, we offer flexible programs designed to help you save on rates or cash out equity. Here are some refinancing options we provide:

FHA Streamline
FHA Cash Out
VA Streamline
VA Cash Out
USDA Streamline
Conventional Rate-Term
Conventional Cash Out

Unique Loan Programs for Specialized Needs

In addition to standard mortgage options, we specialize in niche programs to meet various borrowing needs, including:

Manufactured home loans
Warrantable & non-warrantable condos
1099, bank statement, and rebound loans

Get in Touch Today

Reach out today to learn more about the mortgage loan programs available and discover the best fit for your financial goals.

Schedule an Appointment

Words From Those We Serve

We just got the clear to close on my 3rd transaction with Julie and her team. After using other brokers for past transactions in South FL, I will never use anyone else. Julie is professional, willing and able to timely answer any questions and will get you to the closing table faster than anyone else. Her email signature says "I am the game changer" for a reason. Thanks Julie and team for another smooth transaction!

Rebecca E.

I was referred to Prodigy by my best friend after I kept getting the run around from the first lender. I completed the online quote and Julie called within minutes. This was on December 8th and tomorrow, December 31st, I will be closing on my first home!!! I cannot say enough about Julie and Natasha. They are professional, polite, attentive, concerned… I can go on and on. They kept me informed from the initial phone call to the very end of the process!! I would recommend Prodigy Home Loans to anyone who is in the process of looking for a home. I am so thankful for Julie and Natasha. I cannot thank them enough!!

Renee D

Thank you Julie, y’all were awesome and hands down better than where we started with our initial lender!

Tony L

We absolutely LOVED working with Julie! We worked with her on our initial mortgage and we called on her again when we did our refinance! If you wish to work with a broker who will keep you up to date step by step along the entire mortgage process, then Julie Payton is the person for the job!!! thank you for all you do Julie!!!!

Silvery M

Great Mortgage Service! Julie Payton is top notch in her field. I was very impressed with the Mortgage Service’s she provided. I would definitely recommend Julie Payton to others and I would also return to her for additional Mortgage Services should I need them in the future

Glen J

As a first time home buyer, I was anxious and knew very little about the loan process. Julie and her team are the definition of professional. They made the process painless and informative. Their dedication exceed my expectations; I felt like part of their family as they worked diligently and thoughtfully. I would wholeheartedly recommend Julie Payton and her team, and look forward to working with them again in the future.

Nicholas C

Prior to meeting Julie I was working with a big name lender who was unable to get me to where I needed to be. Once Julie came into the picture I received my pre-qualification in the same day. She has been very easy to reach and has been there every step of the way for all my questions. That has been crucial since this is my first time purchasing a home.

Justin W

I am very pleased with my experience with Julie and the rest of the team. They were awesome. I was informed every step of the way. The process of buying my first home was smooth and easy. Thanks so much.

jmax 1933

Julie was incredible to work with! She was very quick to send over any documents, was very transparent throughout the whole process, and gave me well informed opinions on certain matters which saved me thousands. I would highly recommend working with Julie, as she made my home buying process easier than I could've imagined.

Lucas M

You will not find a finer mortgage professional than Julie. Best in the business hands down.

Kelly L.

Julie Payton with First Florida Financial was awesome. Julie was always there to answer any questions and email we sent no matter the time or day. Julie really helped to make sure we had everything we need through the entire home buying process.

Whitney W

Our experience with Julie Payton was phenomenal. We were informed throughout the entire process, any questions we had were answered and taken care of immediately, and the level of professionalism was unsurpassed. Not to mention, she is kind and trustworthy. Julie is a woman of her word and gets things done. I would highly recommend her to anyone.