Julie Simmons, NMLS #1833110

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.

03/06/2026

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!

03/05/2026

Every day there’s a new headline telling you to panic… or rush… or wait… or jump.

The truth?
The market isn’t one-size-fits-all.

Your income, your goals, your timeline — that’s what matters.

If you’re tired of trying to decode the noise, let’s look at your numbers and build a strategy that makes sense for you.

The market will always have noise.

The key is having someone who can:
✔️ Break down the numbers
✔️ Filter out the drama
✔️ Help you make decisions based on facts — not fear

If you want steady energy in a dramatic market, I’ve got you.

👉 DM me “PLAN” and we’ll talk through it.

03/04/2026

Coming off of Feb, I thought this was an appropriate thought! Hehehe

03/02/2026

A tale of two AI generated images......

I asked ChatGPT to make me an image for my post today and include my headshot.

Let's just say the results were... creative. The pic on the left represents the actual uploaded headshot but then we have sunkissed Julie and Julie's heavier twin sister.

That being said, my hair looks amazing!

02/27/2026

According to Freddie Mac’s latest report, the average 30-year fixed rate is now sitting at its lowest point since September 2022. And many experts believe the downward trend could continue modestly into 2026.

Fannie Mae, Zillow, and Morgan Stanley are all forecasting rates to ease further or hold near these levels through the year — which means a refinance opportunity could be right around the corner for a lot of families. Lower payments, cash out for home improvements, or simply more breathing room in your budget? It’s worth exploring!

Every situation is different, so let’s talk about what makes sense for YOU.

👉 Comment “REFI” below or send me a quick DM and I’ll reach out personally to review your options (no obligation, of course).