Julie Payton Mortgage Team

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United States
Middleburg, FL
Julie Payton Mortgage Team

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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 time 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.

11/01/2026

10/31/2026

Don’t forget to set your clocks back one hour tonight 😊 I sure hope our Lexi remembers, we get an extra hour of sleep. 💕🐾

10/30/2026

There's something special about that first cup of coffee in the morning. Maybe it's a quiet moment before the day gets busy, catching up on a good book, or simply appreciating a little time to yourself. As a mortgage professional, I enjoy helping people find a place where they can create their own routines, traditions, and memories. Because sometimes, the little things are what make a house feel like home.

10/29/2026

Good morning ☀️

10/26/2026

USDA vs. FHA Loans: Which One Is Right for You?

Think you need a big down payment to buy a home? Think again!

💚 USDA Loans: 0% down for eligible buyers in qualifying areas.

💙 FHA Loans: As little as 3.5% down with flexible credit requirements for qualified buyers.

Whether you're buying a home in Florida, Georgia, Texas, Virginia, or Alabama, the right mortgage could make homeownership more affordable than you think!

The Herd Lending is here to help you explore your options!

Want to know which loan might be best for you? Click the link below and head over to our THL Blog!

https://f.mtr.cool/7bu3d6xl6v

Loan eligibility and terms vary. The Herd Lending | NMLS #2681606

10/25/2026

Some of the best memories come from traditions we carry with us, no matter where we live. Carving pumpkins, decorating for Halloween, gathering around the Thanksgiving table, or celebrating the holidays with family and friends. A new home gives those familiar traditions a new place to grow, along with opportunities to create a few new ones. If buying a home is part of your plans, I'd love to help you find the right financing to make it happen.

10/23/2026

Such a great evening.

10/23/2026

Brewers or Rays? Who's your pick to win the World Series?

hile the World Series champion may be up for debate, one thing shouldn't be complicated: getting straightforward answers about home loans, and your home financing options.

10/22/2026

Solar Solutions Designed for Your Home.

Your roof can do more than protect your home. With a professionally designed solar energy system, you can put Florida’s sunshine to work while taking greater control of your home’s energy needs.

At Clay Solar Installation Partners, we provide residential solar solutions tailored to your property, energy goals, and long-term needs.

Whether you’re exploring solar for the first time or ready to move forward, our team is here to help you understand your options and make an informed investment in your home.

Ready to see what solar can do for you?
Call today to schedule your FREE solar consultation and discover how your roof can start working for you.

Call Clay Solar Installation Partners at 904-736-4446 today.

Florida sunshine. Smart solar solutions. A brighter energy future.

Address

14 Swimming Pen Drive
Middleburg, FL
32068

Website

https://juliepayton.com/

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