Julie Forrest at Excel Mortgage Network

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

06/22/2026

If there's one thing my dad loved, it's a smart, long-term investment. Happy Heavenly Fathers Day Dad! 😎📈

This Father's Day, we’re celebrating the men who teach us the value of hard work, saving for the future, and building security for the people we love. For so many fathers, buying a home is the ultimate milestone in protecting and providing for their family's future.

Whether you're a first-time dad looking to upgrade to a bigger backyard for the kids to run around in, or an empty-nester dad looking to downsize, I am here to help you navigate the mortgage process seamlessly.

Enjoy your day, Dads! You’ve earned it.

06/19/2026

💡 Did you know you can use your VA loan to build a real estate empire with $0 down?

Most veterans know the VA loan is an incredible tool for buying a single-family home. But very few know how to leverage it to generate serious residential income.

If you are active duty or a veteran, here are 7 hacks to skyrocket your residential income using a VA loan:

🏡 1. Max Out with a Fourplex (0% Down House Hacking)
The VA allows you to buy up to a 4-unit property (duplex, triplex, or fourplex) with zero money down, as long as you occupy one of the units as your primary residence. You live in one, rent out the other three, and let your tenants pay your mortgage while you pocket the extra cash flow.

📊 2. Use Future Rental Income to Qualify
Worried a multi-unit property is too expensive for your current income? The VA allows you to use up to 75% of the prospective rental income from the other units to help you qualify for the higher loan amount.

🛠️ 3. Offset the Mortgage with an ADU
If you prefer a single-family home over a multiplex, look for a property with an Accessory Dwelling Unit (ADU)—like a mother-in-law suite, converted garage, or guest house. Renting this out is an easy way to generate steady passive income.

📈 4. Tap Into "Bonus" Entitlement for Property #2
You do NOT lose your VA loan benefits after buying one home. Thanks to "Bonus Entitlement" (Tier 2), you can keep your first property as a fully rented investment property, move, and use your remaining VA loan entitlement to buy a second primary home with $0 down.

💰 5. Negotiate the 4% Seller Concessions Rule
The VA allows sellers to pay up to 4% of the purchase price in "seller concessions." Use this hack to have the seller buy down your interest rate or pay off your debt, immediately lowering your monthly expenses and increasing your net monthly income.

🛌 6. Deploy the Roommate Hack
If you buy a single-family home, you can rent out individual rooms to fellow service members or local professionals. Because VA loans have no monthly Private Mortgage Insurance (PMI), your fixed costs are already lower, meaning more of that rent stays directly in your pocket.

🔄 7. Lock in Lower Payments with a VA IRRRL
Once you own your rental property, keep an eye on interest rates. The VA Interest Rate Reduction Refinance Loan (IRRRL) is a "streamline refinance" that requires no appraisal, minimal paperwork, and lets you drop your monthly payment to maximize your ongoing cash flow.

⚠️ The Catch? You need a lender who actually understands the nuances of the VA handbook to pull these off successfully.

Whether you’re looking to buy your first duplex or want to calculate your remaining bonus entitlement for a second home, let's look at your numbers.

📲 DM me today or drop a comment below, and let's structure your next wealth-building move!

Julie Forrest NMLS #1622662
Excel Mortgage Network NMLS #225098

Veterans and active military, this is for YOU! 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

06/14/2026

Today on Flag Day, we don't just celebrate a symbol—we celebrate the brave individuals who protect it.

As a Mortgage Loan Originator, I am incredibly proud to specialize in VA Loans. It is a true honor to help our active-duty military, veterans, and surviving spouses maximize the incredible housing benefits they have earned through their service.

The VA Home Loan program is one of the most powerful mortgage tools out there, offering:

🚫 $0 down payment options

📉 Competitive interest rates

🛡️ No monthly private mortgage insurance (PMI)

If you or someone you know has served our country and wants to explore homebuying options, let's connect. It’s my turn to serve you.

Thank you to all our veterans and service members! 🙏❤️