Comprehensive Loan Solutions for Homebuyers
Julie Payton Mortgage Team provides a diverse array of mortgage services across Florida from our base in Jacksonville. Our goal is to offer you detailed information about our loan programs so you can confidently choose the best option for your needs.
Flexible and Competitive Loans
Our conventional loans are perfect for homebuyers with good credit and a stable financial background. These loans come with flexible terms and competitive interest rates, making them a popular choice for many.
Conventional Loan
Perfect for buyers with solid credit and financial stability, offering flexible terms and competitive interest rates.
VA Loan
Exclusive for veterans and active-duty service members, featuring no down payment and relaxed qualification standards.
FHA Loan
Ideal for first-time homebuyers or those with limited savings, backed by the Federal Housing Administration with low down payments and more lenient credit requirements.
USDA Loan
Tailored for rural homebuyers, this loan offers 100% financing with affordable interest rates and no down payment.
Jumbo Loan
For buyers purchasing high-value properties beyond standard loan limits, offering flexible terms and competitive rates.
Manufactured Homes Loan
Designed for those purchasing manufactured homes, with specialized financing to meet the unique requirements of these properties.
DSCR Investor Loan
Tailored for real estate investors working on fix-and-flip projects, offering fast financing with flexible terms.
Non-Warrantable Condos Loan
Provides funding for non-warrantable condos, making it easier to purchase unique properties that don't meet conventional criteria.
Bank Statement Loan
Perfect for self-employed individuals or those with irregular income, allowing income verification via bank statements instead of traditional methods.
First-Time Homebuyer Loan
If you haven't owned a home in the past 3 years, you may qualify for low down payment options or assistance based on your credit and income.
How to Choose the Right Program
Selecting the right loan depends on your unique financial situation and future plans. Consider these key questions before deciding:
Expert Help Tailored to You
Julie Payton specializes in helping families navigate the loan selection process. With personalized guidance, we'll ensure you choose the right loan that aligns with your financial goals. Contact us today to schedule a consultation and start planning for your future.