Julie Forrest at Excel Mortgage Network

10/14/2026

🎄⏱️ Only 72 days until Christmas! ⏱️🎄

Don't fund your holiday gift list with high-interest credit cards this year. If you own a home, you likely have a much smarter tool available: your home equity.
As an MLO, I can help you leverage your equity to get:
💰 Lower interest rates than retail credit cards
🎁 Cash in hand before the holiday shopping rush
📊 A predictable plan that keeps your budget on track
Skip the January financial hangover! DM me today to look at your numbers and see how much equity you have available. 📉👇

09/16/2026

Quick math check for homeowners 👇

Average Credit Card Interest Rate: 21%+

Your Current 1st Mortgage Rate: 3% - 4%

It makes zero sense to refinance your entire home just to pay off credit cards. But letting 20%+ interest eat up your paycheck every month doesn't make sense either!

You can leverage a Standalone HELOC or Home Equity Loan to consolidate high-interest debt into one manageable, lower-interest payment—all while leaving your 1st mortgage completely alone.

Self-employed or an investor? We can qualify you using 12–24 months of bank statements or lease agreements on rental properties.

Stop sitting on quiet home equity while high-interest debt causes real stress.

📲 Send me a message today for a free, zero-obligation equity review!

Julie Forrest NMLS #1622662/Excel Mortgage Network NMLS #225098

[email protected]/727-487-4522

09/10/2026

🏠 REAL ESTATE INVESTORS

What if the property could help you qualify?

Some DSCR programs focus primarily on the cash flow of the investment property, rather than traditional personal-income qualification.

Let's Run the Numbers! Call or text me to find out how easy it is to become a property investor and start earning rental income!

Julie Forrest NMLS #1622662/Excel Mortgage Network MLS #255098
[email protected]/727-487-4522

09/08/2026

09/07/2026

08/25/2026

First-Time Homebuyer "Myth Buster"

Think you need 20% down and perfect credit to buy a home? Think again.

One of the biggest myths keeping buyers on the sidelines is the 20% down payment rule. In reality, there are programs available right now that let qualified buyers purchase with:

*As little as 3% to 3.5% down
*Down payment assistance options
*Flexible credit requirements

Call or text me to learn more, and STOP paying your landlord’s mortgage.

Julie Forrest NMLS #1622662/Excel Mortgage Network NMLS #255098
[email protected]/727-487-4522

08/21/2026

Self-employed or writing off business expenses on your taxes? Traditional bank turn you down? 💼❌

GET APPROVED!

Getting a mortgage when you work for yourself shouldn't be a headache. If tax returns don't reflect your true cash flow, standard loan options often fail. We offer flexible loan solutions designed for business owners and investors, see below for three of the most popular options:

1. 12–24 Month Bank Statement Loans (no tax returns required)

2. DSCR Loans for Real Estate Investors (qualified based on property cash flow)

3. Asset Depletion Options

Don't let conventional financing keep you from buying your dream home!

Call me today to discuss options that may make your dream come true! 💜

Julie Forrest NMLS #1622662
[email protected]/727-487-4522

08/18/2026

Stuck between high credit card payments and a low mortgage rate you refuse to give up? 🏠💰

You don't have to choose between the two.

A standalone HELOC lets you tap into your home's equity to pay off high-interest debt while keeping your 1st mortgage rate right where it is.

Here's what makes it flexible:
• Fixed-rate options available (no surprise rate spikes)

• Bank Statement & DSCR options for self-employed borrowers and real estate investors

• Instant monthly cash flow relief

Give your monthly budget some breathing room. 💬 Send a message to check your options today!

Julie Forrest NMLS #1622662
[email protected]/727-487-4522

06/30/2026

🏡 Stop Waiting to Sell! Buy Your Dream Home FIRST.

Found your perfect next home but feel stuck because your current house isn't sold yet? In today’s competitive market, waiting around or submitting an offer with a "home sale contingency" is a quick way to lose out to other buyers.

Good news: You don’t have to wait anymore.

With our Buy Before You Sell+ and Bring Your Own Cash+ programs, you can make a strong, contingency-free offer on a new home before your current one even hits the market!

Here is how we unlock your next move:

🌟 Option 1: Buy Before You Sell+ (BBYS+)
Best for buyers who need the equity from their current house to fund their next down payment.

0% Interest Bridge Loan: Access up to 70% of your current home's equity to use as a down payment on the new place.

No Out-of-Pocket Upfront Fees: The program fees are wrapped into the back-end sale of your departing home.

No Contingencies: Make a winning, non-contingent offer on your new primary residence right away.

💰 Option 2: Bring Your Own Cash+ (BYOC+)
Best for buyers who already have savings or investments ready for a down payment but want to maximize their buying power.

DTI Relief: A guaranteed backup offer on your current home removes that departing mortgage liability from your Debt-to-Income (DTI) calculation.

Keep Your Buying Power: Enjoy the peace of mind of a non-contingent offer while keeping your own funds in play.

Sell for Top Dollar: Move into your new home first, then list your old home empty for stress-free showings.

🔍 How It Works:
Get Pre-Qualified: We review your goals and look at your current home's equity.

Make a Winning Offer: Shop and submit a strong, cash-backed, contingency-free offer.

Move In First: Close on your new home and move in at your own pace.

Sell Safely: List and sell your departing home on the open market within 180 days. (And if it doesn't sell? There is a guaranteed backup contract to protect you!)

📋 Simple Qualifications:
Minimum 620 FICO score.

Standard Conventional, Jumbo, or Flex Non-QM loans apply to the new home.

Both the departing and incoming properties must be primary residences.

Single-family homes, townhomes, duplexes, and condos are all welcome!

Don't let your dream home slip away while you wait for a sign in the yard. Let's look at your options and get you pre-approved to make your strongest move yet!

💬 DM me today or drop a comment below to see how much equity you can unlock!

Julie Forrest #1622662
Excel Mortgage Network #225098

06/25/2026

Veterans and active military, this is for YOU!

Seven hacks to increase your residual income on a VA loan!

Ready to navigate buying a home with your VA loan benefits? Download the FREE VA Loan Facts App and get all the information you need right at your fingertips.
It's packed with essential education to make your homeownership journey smoother. Get it now!

https://app.valoaneducator.tv/julieforrest-1622662

Excel Mortgage Network NMLS #225098