Julie Payton

Mortgage Loan Originator

(904) 334-9944

Agent For First Florida Mortgage Inc.

NMLS: 854032 / 392021

Purchase the Home of Your Dreams Today!

Welcome to the official site of Julie Payton Mortgage Loan Originator. I offer a full range of mortgage services for all of Florida from my base in Jacksonville.

I specialize in:

  • FHA Loans
  • VA Loans
  • Conventional Loans
  • USDA Loans.

Whether you are buying a home or refinancing, anywhere in the state of Florida. I can help you realize your dream of homeownership, Save on your current payment or get the most equity out of your home for other things.


Refinancing? I Can Help You with That, Too!

I offer a wide range of refinancing options, designed to best meet the needs of every borrowers. If you're looking for cash out, or to lower your current rate and/or terms, I can assist you.

I offer the following Refinancing Programs:

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

What makes me unique is that I offer the following niche programs as well: Manufactured home loans, Warrantable and Non-warrantable condos, 1099, Bank Statement, and Rebound Loans.

Contact me today to discuss your mortgage loan options, and find out which loan program will best suit your needs.


Client Testimonials

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

Orlando, FL

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

Jacksonville, FL

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

Middleburg, FL