Julie Payton Mortgage Team

Julie Payton Mortgage Team Spend less and close sooner. Anywhere in Florida. We listen! NMLS # 854032 / 2691606 agent with The Herd Lending We are right here.

Who am I and why would you want to work with me and my team. I am a dedicated and licensed mortgage originator with over 29 years of experience in helping clients achieve their homeownership dreams. As a wife, mother, and proud Mimi of two awesome little boys, family is at the heart of everything I do. Our beautiful German Shepherd, Lexi, is an integral part of our family, as she spends a lot of t

ime in my office with me. I love taking short getaway trips with my husband, exploring new places and creating lasting memories. I started my career as a mortgage analyst, reviewing different states’ closed loans for accuracy and compliance. I then moved into loan processing and origination for the next 26 years, where I would learn the process of ordering title, appraisals, verifications of employment and verifications of deposits. Understanding guidelines has always been very important. Not knowing a loan program guideline can kill the dreams of a homebuyer or homeowner. I stive on knowing and keeping up to date on the ever-changing world of mortgages. This industry has many ups and downs, and I am an expert at navigating through it with compassion and professionalism. We have made many friends that started out as clients because we treat each one like our own family. My passion for my career continues to grow, and I am committed to providing exceptional service to each of my clients. So, if you are looking for the right person, that will treat you like family, guide you through the process to find and close on the right mortgage, look no further.

Every move starts with two very different jobs. Mine is the mortgage. Yours is everything else that makes a house feel l...
09/08/2026

Every move starts with two very different jobs. Mine is the mortgage. Yours is everything else that makes a house feel like home. While I'm chasing down rate locks, coordinating with underwriters, tracking your closing timeline, and translating loan terms into plain English, you get to focus on the parts that actually matter to you, like finding the best coffee shop down the street and figuring out which local school or park will become part of your routine. A mortgage isn't just numbers on a page; it's the tool that gets you into a community you'll actually love living in. Ready to plant your roots?

Great day Finally Friday Businesses building relationships.
09/04/2026

Great day Finally Friday Businesses building relationships.

Let's talk perspective for a second. In 1984, the average 30-year mortgage rate was 13.88%. Not a typo. Rates have alway...
09/03/2026

Let's talk perspective for a second. In 1984, the average 30-year mortgage rate was 13.88%. Not a typo. Rates have always moved in cycles, and today's mid-to-upper six percent range is actually much closer to historical norms than people realize. So if you've been sitting on the sidelines waiting for a number that may not come back anytime soon, it might be time to shift the question from 'when will rates drop' to 'what can I actually do right now.' If homeownership is the goal, let's talk. I'll work to find a way.

09/02/2026

PSL SEASON IS HERE… but we’re brewing something a little bigger at The Herd Lending. 🐄🏡

Pumpkin Spice Latte? Delicious.
Pumpkin Spice Loan? Okay, we made that up. 😂

But if your fall wish list looks less like extra whip + cinnamon and more like more bedrooms + a backyard + a mortgage payment that makes sense, it might be time to talk to our team here at The Herd.

Don’t wait for the mortgage market to become “perfect.” Perfect is hard to predict. Instead, find out what the market looks like for YOU.

-Get pre-approved.
-Know your numbers.
-Understand your options.

Then, when the right house pops up, you can move faster than someone hearing, “Pumpkin Spice is back.” 🏃‍♀️☕😂

Ready to see what you could qualify for?

👉 Visit TheHerdLending.com to learn more and apply today.

Skip the line. Get pre-approved. Then go get your PSL. ☕🏡

Networking in The Cove Great company and fun conversations. Sometimes we all just need a break. Some great businesses re...
09/01/2026

Networking in The Cove Great company and fun conversations. Sometimes we all just need a break. Some great businesses represented here!

What is networking??? In my humble opinion, it is promoting what you do as your career to obviously gain business and bu...
08/27/2026

What is networking??? In my humble opinion, it is promoting what you do as your career to obviously gain business and business relationships. But I have learned over the years. It is also about SOME friendships. Some last for a very long time and some last for a very short time. But the friendships that last are very real.  Lift each other up. Sometimes it is not all about business; people have real lives and are struggling, but love what they do. ( picture of my Lexi, because it represents true friendship, loyalty, and love.)

Looking forward to reconnecting with familiar agents and meeting some we haven’t had the pleasure of working with yet!
08/26/2026

Looking forward to reconnecting with familiar agents and meeting some we haven’t had the pleasure of working with yet!

Let's talk about your future. Why are you still renting? Waiting on rates? STOP the madness! You are less than 30 days a...
08/26/2026

Let's talk about your future. Why are you still renting? Waiting on rates? STOP the madness! You are less than 30 days away from owning your new home, Let us make it easy for you.

Congratulations to my first time homebuyers. They are so excited to live closer to his work and have the property to fee...
08/22/2026

Congratulations to my first time homebuyers. They are so excited to live closer to his work and have the property to feel free. Lots of trees and land. Thank you for allowing us to help you. You are always "family, Not a file" with The Julie Payton Mortgage Team

Address

14 Swimming Pen Drive
Middleburg, FL
32068

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