Mortgage Pitfalls

Navigating the Mortgage Process: Tips to Avoid Common Pitfalls

February 28, 2024

The path to homeownership can be both thrilling and daunting. As a mortgage loan originator with 27 years of experience, I’ve witnessed firsthand the excitement and stress that often come with securing a mortgage. To help you navigate this process smoothly, I’ve compiled a list of common mistakes to avoid during the application and approval…

Read More

FICO Credit Score: Facts vs Myths

December 15, 2023

Myth: FICO is a credit agency. Fact: FICO stands for the Fair Isaac Corporation. FICO was a pioneer in calculating credit scores based on information collected by credit reporting agencies. FICO scores drive over 10 billion credit decisions per year and is used by 90% of all lenders in the US when deciding whether to…

Read More
Private Road Agreements

Private Road Agreements

October 18, 2023

It is nice to have property and decide to share road access, wells, and other amenities with your neighbors. It is the American Way. But what happens when it’s a handshake agreement, and a new buyer may not have rights or may be required to maintain part of the road or driveway they are sharing?…

Read More
The Julie Payton Mortgage Team has prepared a list of common Do's and Don’ts to help ensure a seamless closing.

Borrower Do’s and Don’ts

September 15, 2023

The journey to homeownership is often marked by excitement, anticipation, and the fulfillment of a life-long dream. It can also be fraught with potential stumbling blocks when attempting to secure a loan.

The Julie Payton Mortgage Team has prepared a list of common Do’s and Don’ts to help ensure a seamless closing.

Read More

Step-by-Step Guide to the Mortgage Process

August 24, 2023

Whether you’re a first-time homebuyer or looking to refinance, the Julie Payton Mortgage Team is here to guide you through the mortgage process. In this step-by-step guide, we’ll walk you through each stage, from pre-approval to closing, and how we partner with you to make your homeownership dreams a reality. Step 1: Pre-Approval Before you…

Read More
Buying your dream home

Purchase the Home of Your Dreams Today!

July 26, 2023

I offer a full range of mortgage services for all of Florida from my base in Jacksonville. I specialize in: 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…

Read More