Julie Nichols, Mortgage Lender NMLS 280620

06/12/2026

Rates moved higher during the week ending June 12, 2026, after data showed increases in both wholesale and consumer inflation. Hillcrest Bank Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

06/05/2026

Rates were flat during the week ending June 5, 2026, as peace talks in the Middle East continued to drag on with no new progress. Hillcrest Bank Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

05/29/2026

Rates improved during the week ending May 29, 2026, as markets anticipated a peace deal. Hillcrest Bank Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

05/29/2026

Kelly, Thank you so much for your kind words! It was truly an honor to help you both through the homebuying process and be part of such an exciting milestone. Every loan journey has its challenges, but making sure my clients get to the closing table smoothly and on time is always my top priority. I’m so glad we were able to work through everything together and get you into the home you wanted using the Homes for Heroes rewards.

Thank you for your service to the community! I sincerely appreciate your trust, patience, and recommendation. Wishing you many happy memories in your new home! 🏡❤️

05/28/2026

As your family grows, your needs change—but our gratitude for your service remains. Whether you’re a teacher, healthcare professional, military members or first responder, you’ve dedicated your career to taking care of our community. Now, let us take care of you.

Selling your home and finding the perfect next step is a massive milestone. We make it easier by pairing you with local specialists who truly understand your schedule and your service.

The Best Part: When you sell or buy a home with us, you receive Hero Rewards® - meaningful savings as a tangible "Thank You" for everything you do.
* Real Savings: Average of $3,000 when you buy or sell a home with a Homes For Heroes Realtor & Lender.
* Real Support: Expert guidance from start to finish.
* No Red Tape: Simple, clear, and focused on you.
* Ready to find the space your family deserves?

05/25/2026

Memorial Day is a sacred time to remember the men and women who gave their lives defending our country and its freedom. We honor the magnitude of their sacrifice and hold space for the families they left behind. Their legacy of service is woven into the fabric of our nation, and we pause today to ensure their names and their courage are never forgotten.

05/22/2026

Rates crept higher during the week ending May 22, 2026, as inflation fears continued to drive up bond yields globally. Hillcrest Bank Mortgage is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

05/21/2026

Stop letting the market dictate your family’s future. Your service deserves its rewards, including a better path to homeownership.

We know the headlines about rates can feel discouraging, but serving heroes means more than just offering savings—it means showing up with the clarity and support you need to make your move with confidence.

When you work with a local Homes for Heroes Specialist, you aren't just another transaction. You are part of a community that understands your service and respects your sacrifices.

The Homes for Heroes Difference:
* Real Savings: Receive a check after closing to help with your move, new furniture, or a lower rate—the average hero saves $3,000 when working with both a Homes for Heroes realtor and lender.
* Extraordinary Service: Our specialists handle the complexity so you can focus on your family.
* A Tangible Thank You: This is a real way for us to give back to the people who give so much every day.

Don’t wait for the "perfect" market when you’ve already deserve the perfect reward.

05/18/2026

Emergency Medical Services provide the critical link between a crisis and the life-saving care of a hospital. This week, we celebrate the paramedics and EMTs who respond with skill and composure under immense pressure. We appreciate your expertise and the essential role you play in our community’s emergency response system.

05/16/2026

On Armed Forces Day, we recognize the men and women currently serving in every branch of the military. Your decision to step forward requires a level of discipline and courage that commands respect. We thank you for your readiness to serve and for the sacrifices you and your families make every day to fulfill your mission.