Julie Payton Mortgage Team

Julie Payton Mortgage Team Spend less and close sooner. Anywhere in Florida. We listen! NMLS # 854032 / 392021 agent with First Florida Mortgage 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.

06/15/2026

I just saved my clients $401 a month on their monthly mortgage payment! I would say that is a WIN! When you give us a chance, we will always do what is best for you. Second opinions are always free.

JuliePayton.com

Buying a home is one of the biggest financial decisions you will ever make, and you deserve more than a generic online a...
06/15/2026

Buying a home is one of the biggest financial decisions you will ever make, and you deserve more than a generic online application and a hope-for-the-best experience. As a mortgage specialist, I work one-on-one with my clients to provide real guidance, honest answers, and mortgage solutions that actually fit their life, their goals, and their budget.

Today we honor the Stars and Stripes—a symbol of freedom, unity, sacrifice, and the enduring spirit of America.As we cel...
06/14/2026

Today we honor the Stars and Stripes—a symbol of freedom, unity, sacrifice, and the enduring spirit of America.

As we celebrate our nation's flag, let's remember those who have served and continue to serve to protect the freedoms it represents.

Proud to be an American. Proud to call this country home. ❤️🤍💙

When you get a letter of congrats from your congressman, you know he is a good guy. Thank you for noticing Congressman A...
06/13/2026

When you get a letter of congrats from your congressman, you know he is a good guy. Thank you for noticing Congressman Aaron Bean

Let me refer you to the best Real Estate agent for your needs.
06/11/2026

Let me refer you to the best Real Estate agent for your needs.

☀️🏡 SUMMER IS HERE... AND SO IS YOUR OPPORTUNITY!While you're planning vacations, backyard BBQs, and days at the beach, ...
06/09/2026

☀️🏡 SUMMER IS HERE... AND SO IS YOUR OPPORTUNITY!

While you're planning vacations, backyard BBQs, and days at the beach, don't put your dream of homeownership on hold.

Waiting could mean:
❌ Higher home prices
❌ More competition
❌ Missing the perfect home

The best time to start is before everyone else does.

Let's get you pre-approved and ready to make your move this summer!

06/05/2026

I hear it was national donut day. Who ate a donut today. I didn’t 😔But I want one now 😂

Finally Friday is a great place to be, even when you are not a morning person 😊
06/05/2026

Finally Friday is a great place to be, even when you are not a morning person 😊

Buying your first home is one of the biggest financial decisions you will ever make, and I want to make sure you walk in...
06/05/2026

Buying your first home is one of the biggest financial decisions you will ever make, and I want to make sure you walk into it with confidence, not confusion. If you have been sitting on the fence because homeownership feels out of reach, let's talk.

I have worked with countless veterans and active-duty service members over the years, and one thing that never stops sur...
06/04/2026

I have worked with countless veterans and active-duty service members over the years, and one thing that never stops surprising me is how many of them have no idea what their VA Home Loan benefit actually covers. This benefit was earned, it is yours, and frankly it is one of the most powerful mortgage tools available in today's market. No down payment. No private mortgage insurance. Competitive interest rates. Flexible credit guidelines. These are not talking points, these are real advantages that can put you in a home faster and with significantly less out-of-pocket cost than a conventional loan. Reach out anytime, I would love to help.

Address

534 Park Avenue, Suite 4
Orange Park, FL
32073

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