Julie Shrell NMLS #532591

05/04/2022

Some companies are only there during the good times…..

So Costco is now leaving the lending space, we're starting to see across the country layoffs from Rocket Mortgage/Quicken Loans, Better Mortgage, and other pretend players in the space as rates rise. Big companies, often well funded by investor money, exploit current market conditions to reap profit, then quit or lay workers off when conditions change.

I say this as a personal witness to these market cycles in both the tech and mortgage space.

It's easy & straight forward to help someone refinance when rates are at record lows, but it takes more experience, expertise and knowledge of a family's situation to help them make good decisions about their housing and financing needs when the market is not so favorable.

If you want a great experience, work with a LOCAL LENDER with a 5 STAR REPUTATION who cares about you and your family.

Advice & Planning matters when we're talking about your family's future. It's not all about a company that spends $Millions on advertising, brand name or a funny Super Bowl commercial...

A bad financial or real estate decision can cost millions over the course of a lifetime and a good one (or two) can put your family on a path to stability and wealth.
Get with a Mortgage Advisor. One who is licensed. We were not all created equally.

Comparing is fine, but understand what you are 👀 looking for in something altogether.

Look at it like you were going in for a heart or brain surgery... finding the cheapest Doctor or Hospital would not be your first priority or the one with a great phone app, but you can never talk with anyone would be frustrating & not be a good idea.

I am here in good times and not so good times to answer YOUR call!😊🏡🗝

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02/10/2022

The guessing is over…MORTGAGE RATES ARE GOING UP!

But, they are still low and it is still a great time to buy a home, rental or build. We have some great options for you and I would love to see if we can help you with your mortgage needs!

01/27/2022

Curious about mortgage rates? Here is the consensus after the Fed meeting today…if you want to know how this impacts your home buying ability, give me a call!

Fed Policy Changes Coming
Over the past week, investors were focused on Wednesday’s Federal Reserve meeting. Mortgage rates fell ahead of the meeting, but rose following its conclusion, and ended the week just a bit lower.

As expected, the Fed confirmed that the first federal funds rate increase since December 2018 is likely to take place soon and that additional rate hikes will follow. Investors anticipate that the first increase will happen in March. In addition, the Fed intends to reduce its massive holdings of Treasuries and mortgage-backed securities (MBS). Trillions of dollars of bonds were purchased since the start of the pandemic to help the economy recover, and the Fed feels that it should begin to scale back its holdings closer to the levels seen prior to the pandemic. While no specific guidance was provided on the timing of these changes, comments from Fed Chair Jerome Powell were more hawkish (in favor of tighter policy) overall than expected. Since a reduction in demand for bonds from the Fed would be negative for MBS markets, mortgage rates rose a little after the meeting.

Julie Shrell
Residential Mortgage Loan Originator
NMLS # 532591
Cadence Bank
NMLS # 410279

12/01/2021

5.0 star review received on Experience.com for Julie Shrell by Pamela K. - Julie makes the process easy to complete, identifying any possible issues with the application that could arise with the refinancing and addressing them. We completed the process in a short time taking advantage of the low rates to refinance.

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RMLO I NMLS ID #532591

11/28/2021

Happy Hanukkah! 🕎 May the light of the season shine! 🕯️

11/25/2021

Happy Thanksgiving! 🦃 I'm thankful 🙌 I get to help individuals and families everyday as they navigate the homebuying process! 🏘️

11/16/2021

5.0 star review received on Experience.com for Julie Shrell by Ginger Levine - Jumped through hoops. Was able to close over two weeks early and be at the closing for me as I had earlier commitments Customer service superior

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RMLO I NMLS ID #532591

11/13/2021

5.0 star review received on Experience.com for Julie Shrell by Joseph Gullotto - Easy and fast

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RMLO I NMLS ID #532591

11/09/2021

5.0 star review received on Experience.com for Julie Shrell by James P. - Julie is very knowledgeable, friendly, and quick to respond. She is very professional and was pleasure to work with. I will absolutely work with her again.

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RMLO I NMLS ID #532591

11/01/2021

5.0 star review received on Experience.com for Julie Shrell by Cathy Browne - Julie is great! She works side by side with our clients through the entire loan process!

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RMLO I NMLS ID #532591

10/31/2021

5.0 star review received on Experience.com for Julie Shrell by Beth Sher - Very attentive to client and the realtor!
Open communication!! Easy to contact. All very important when purchasing a home.
Julie met deadlines and made it happen flawlessly!

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RMLO I NMLS ID #532591