The First Coast Team - Guild Mortgage

06/02/2026

I was 20 years old, newly married, and holding the keys to my very first home… and honestly, I was scared to death.

We used a VA loan, and our interest rate was 9.75% (yes… even with good credit 😅). We bought a townhouse for $32K (I know… wild compared to today), but back then, it felt like a HUGE leap. Our payment was going to be $335/month plus HOA dues - and I remember thinking, “What if we’re not ready for this?”

It felt overwhelming. Like such a big commitment at such a young age. But I’ll never forget what our loan officer told us:
this was an amazing step forward… and we should be proud to be homeowners so young, because we were building our future.

And that’s exactly what we did 🤍

We brought our first son home to that little townhouse. And just a couple years later, when he was 2, we were able to use the equity from that home to buy land and build our next one.

That first step made everything else possible.
That’s why I believe so strongly in homeownership.

Not because the timing is ever perfect…
but because it creates opportunity.

And most people don’t realize how possible it actually is for them.
If buying a home has been on your mind but you’re not sure where to start - you’re not alone. I’ve been there 🤍

And I’d love to help you take that first step.
📞 Julie Grandy
(904) 866-7050

05/29/2026

Saving for a down payment doesn’t have to mean going it alone.

From state and local programs to lender-based assistance, today’s buyers have more pathways to homeownership than ever before.

05/27/2026

5.0 star review received on Experience.com for Julie Grandy by Jackie C J - Very professional and

Click to see all 507 reviews of Guild Mortgage - Julie Grandy, Loan Officer | NMLS # 179973

05/26/2026

5.0 star review received on Experience.com for Julie Grandy by Tatyana C - It was alot to get done , ms julie was on top of it all and we got the job done ..

Click to see all 506 reviews of Guild Mortgage - Julie Grandy, Loan Officer | NMLS # 179973

05/25/2026

We remember the fallen. We honor their sacrifice. And we stand with the families and communities who carry their stories forward.

05/22/2026

As affordability pressures linger, more transactions are being won through creativity.

Seller concessions are playing a bigger role in bridging the gap between buyers and sellers, and the data shows that flexibility is becoming the norm, not the exception.

05/21/2026

Behind every great client experience is a team that truly cares - and is always working to get better 💙

Last week at our Sales Rally, we had the opportunity to learn from some of the best in our company. Grateful for the insights, the shared ideas, and the chance to grow alongside such an incredible group 🙌

Excited to bring it all back and continue showing up for our clients in the best way possible 🏡✨

05/19/2026

At The First Coast Team with Guild Mortgage, we’re bringing the energy, the communication, and the smooth closings buyers and Realtors deserve. Whether you’re helping clients find the perfect home or getting ready to make a move yourself, we’re here to make the mortgage process feel simple, exciting, and stress-free from application to closing day!

💥 Fast updates
💥 Creative loan solutions
💥 Local experts who answer the phone
💥 A team that knows how to get loans to the closing table

Realtor partners, let’s win together. Buyers, let’s get those keys in your hand! 🔑

📞 Julie Grandy | Loan Officer
NMLS # 179973, (904) 866-7050

📞 Rhonda Casey | Loan Officer
NMLS # 1687554, (904) 535-6934

05/18/2026

With builder-paid rate buydown, eligible builders may contribute up to 9% toward a permanent rate buydown for new construction investment property purchases.

This means:
✔ Lower monthly payments
✔ Potentially below-market rates

So you can start maximizing your cash flow sooner.

05/16/2026

Our Brand Camp experience starts with one simple question: What is your personal brand? Through hands-on marketing and brand exercises, we partner with our loan originators to uncover what sets them apart to best stand out in their market and show up stronger in their community.