Julie Simmons, NMLS #1833110

06/05/2026

🏡 Thinking about waiting for mortgage rates to drop before buying a home?

You're not alone. It's one of the most common questions I'm hearing right now.

Over the past few months, mortgage rates have remained higher than many experts expected due to a combination of inflation concerns, economic data, and uncertainty surrounding global events.

But here's something worth considering:

👉 If rates fall significantly, more buyers are likely to jump back into the market.

That means more competition, more bidding wars, and potentially higher home prices.

Many buyers are focused on finding the "perfect" interest rate, but the better question may be:

✔️ Can I comfortably afford the payment today?
✔️ Am I planning to stay in the home for several years?
✔️ Does buying now help me achieve my long-term goals?

Remember, if rates come down in the future, refinancing is often an option.

But if home prices continue to rise, you may not get a second chance to buy the same home at today's price.

The truth is, nobody can perfectly time the market—not even the experts.

If you're curious what buying now versus waiting could look like for your situation, send me a message. I'd be happy to run the numbers and help you make an informed decision.

04/29/2026

We had a great turnout for our recent investing webinar, and one thing was clear—there’s still a lot of confusion around financing investment properties.

So we broke it down:
✔️ What DSCR loans are
✔️ How investors qualify using rental income
✔️ When these strategies make sense (and when they don’t)

If you’re thinking about investing—or just want to understand what’s actually possible—I’m happy to help!

Comment “WEBINAR” or message me to discuss how I can help!

04/14/2026

Most people don’t realize this…
You don’t need traditional income to qualify for an investment property.

As a lender, I talk to people every day who assume investing is out of reach—and it’s usually just because they haven’t been shown the right financing options.

That’s exactly why I’m hosting a free webinar where I’ll be breaking down:
✔️ How financing for investment properties actually works
✔️ What DSCR loans are and why investors are using them
✔️ How to start thinking about real estate as a second income stream

If you’ve ever thought about investing but weren’t sure how to make it work financially—this is for you.

No pressure, no fluff—just real information you can actually use.

👇 Comment “WEBINAR” or send me a message and I’ll send you the link.

03/19/2026

I had chatgpt make me up this graphic and it looked so dramtic when I first looked at it. Then I paused and thought, yeah and that's why rates are all over the place the last couple of weeks, there is a LOT going on!

Here is a quick update on just the last 24 hours....

The situation in Iran continues with ongoing strikes and retaliatory attacks. Oil prices have surged sharply (WTI crude is now trading in the low-to-mid $90s per barrel).

Yesterday’s PPI report showed producer prices rising more than expected — the hottest reading in a year — which is reigniting inflation concerns.

After the Fed meeting on March 18, Chair Powell kept rates steady and still expects one cut later this year. However, he noted that a rate hike is “not off the table” if inflation from higher oil prices becomes a bigger problem. He emphasized the Fed will remain data-dependent.

DM about thos this will impact you!

03/19/2026

One of the questions I hear a lot from people interested in real estate investing is:

“How do investors keep buying properties?”

One of the answers is something called a DSCR loan — a program where the property income helps qualify for the loan.

I’ll be teaming up with Stephanie Hall from eXp Realty to host a webinar explaining how these loans work and when they can make sense for investors.

If you’ve been curious about buying an investment property (or growing your portfolio), I think you’ll find it really interesting.

More details soon!

03/12/2026

With everything happening in the news lately, I wanted to share a quick, straightforward update on how the situation in Iran is affecting mortgage rates.
Since early March, U.S. and Israeli strikes have continued, and Iran has responded with retaliatory missile and drone attacks. This has created serious concerns about oil supply disruptions — especially through the Strait of Hormuz.

As a result:

Oil prices have surged sharply — WTI crude is now trading around $92–95 per barrel.

This has pushed inflation fears higher and driven mortgage rates up quickly. The 30-year fixed rate has moved from recent lows near 6.00% to around 6.15–6.21% in just the past week.

The latest CPI report (released yesterday) showed inflation holding steady at 2.4% year-over-year. However, that number was captured before the full impact of the recent oil spike, so we could see higher inflation readings — and potentially more pressure on rates — in the months ahead.

The upcoming Fed meeting on March 18 could bring even more volatility depending on what guidance they provide.

While no one has a crystal ball, the market is reacting quickly right now. If you're a homeowner thinking about refinancing or a buyer watching rates, this is a good time to stay informed.

I’m happy to answer any questions or run some simple numbers for you — no pressure, just helpful info. Feel free to comment below or send me a message.

03/11/2026

Are they kidding? I thought we were done with this?

03/10/2026

Random question…

What do you think is the hardest part about buying a house?

Down payment?
Credit?
Finding the right house?
The process itself?

I hear a lot of different answers and I'm curious what people think.

03/09/2026

Even with the nicer weather I am still heading there!

I am for sure going to the show Acapulco. I would love to hang out with those characters and be at that resort in the 80s!

03/06/2026

THAT TIME I DIDN’T CHECK MY LENDER REVIEWS…

We’ve all been there.
You pick the lowest rate…
And then suddenly you’re submitting documents for the third time, being told settlement will have to be delayed, and not understanding any of the docs you just you signed.

Choosing a lender isn’t just about numbers. - It’s about communication, patience, and someone who actually picks up the phone.

Before you pick a lender because they have the lowest rate, read the reviews.
They tell the real story.

Here’s the truth:

The lowest rate doesn’t mean the smoothest closing.

Reviews tell you:
✔️ Do they communicate?
✔️ Are they patient?
✔️ Do they problem-solve?
✔️ Do they show up when things get stressful?

If you want a smooth, supported experience from start to closing, I’m here. 🤍

I’m proud of my Zillow reviews — they reflect how I treat my clients.

If you’re thinking about buying or refinancing, read them first.

👉 Comment “REVIEWS” and I’ll send you the link.