Julie Forrest at Excel Mortgage Network

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United States
Saint Petersburg, FL
Julie Forrest at Excel Mortgage Network

A Residential Senior Mortgage Loan Originator with a comprehensive knowledge of Conventional, Jumbo, Non-Conforming, Renovation and Government loan programs.

NMLS 1622662 Excel Mortgage network NMLS 225098

06/10/2026

🚨 REAL TALK ABOUT THE SPRING HOUSING MARKET 🚨

If you’ve been watching the news, you know mortgage rates have been doing a bit of a rollercoaster dance lately, hovering in the mid-6% range.

Because of this, a lot of buyers are sitting on the sidelines waiting for a drop. But here is the insider secret they aren't telling you: Waiting might actually cost you more. 📉

❌Right now, spring inventory is up, and we are seeing something we haven't seen in years—more price cuts and room to negotiate. Sellers are willing to talk, bidding wars are less intense on many properties, and you actually have time to think before making an offer.

The second rates dip back down? Every buyer on the sidelines is going to rush back into the market, driving home prices straight back up and sparking massive bidding wars. 📈

💥The Strategy: Buy the home now while you have the upper hand with sellers.

You can always refinance later when rates settle—but you can't undo a inflated purchase price.

Let's look at your options!

From conventional to zero-down programs, I’ll help you find the perfect fit.📞 Call or DM me today to get your pre-approval started! Let's get you into that dream backyard before summer. ☀️🏡

Julie Forrest NMLS #1622662
Excel Mortgage Network NMLS #225098

06/05/2026

Caption:
🍩 Happy World Donut Day! 🍩

They say you can't buy happiness, but you can buy donuts—and you can buy a house. And honestly, they both feel pretty sweet.

Just like finding the perfect glaze, finding the right mortgage program is all about options. Whether you’re looking for low down payment options, looking to refinance, or buying your very first home, I’m here to make the process as smooth as a fresh glazed donut.

Stop by your favorite local shop today and treat yourself! Which flavor are you picking? 👇

1. Team Glazed Classic

2. Team Jelly-Filled

3. Team Boston Cream

Team Boston Cream for me!

Day

05/28/2026

Need flexible mortgage options?

I’ve got specialty programs for clients who don’t fit the typical mold, for example:

**1-year self-employed program — qualify with just 12 months of self-employment history
**Cash-out refinances based on appraised value for properties owned less than 30 days
**Options that don’t require a 600 credit score

If you or a client needs a creative solution, send me a DM or call/text to see what programs you may qualify for. Subject to underwriting, program and investor guidelines — terms vary by scenario.

Julie Forrest NMLS 1622662
Excel Mortgage Network NMLS 225098

05/10/2026

💐 Happy Mother’s Day! 💐

Today we celebrate the incredible moms who make a house feel like home. 🏡 From the love you give to the sacrifices you make, your impact is truly priceless.

Wishing all the amazing moms a day filled with appreciation, joy, and maybe even a little relaxation—you deserve it! 🌷

If homeownership is part of your family’s next chapter, I’d love to help make it happen.

Julie Forrest NMLS #1622662
Excel Mortgage Network NMLS #225098

05/05/2026

🌮🎉 Happy Cinco de Mayo!

Today we celebrate more than just tacos and margaritas—it’s about culture, resilience, and coming together to enjoy life’s moments.

As a Mortgage Loan Originator, I love helping families create something worth celebrating every day—a place to call home. Whether you're dreaming of your first home or ready for your next move, there’s always a reason to say ¡Salud! to new beginnings.

Let’s turn your homeownership goals into something worth celebrating this year!

Cheers to fresh starts, happy homes, and big dreams!
Message me to get started today.

Julie Forrest NMLS #1622662
Excel Mortgage Network NMLS #225098

05/01/2026

😄 It’s World Laughter Day!

Today is the perfect reminder to pause, smile, and think about all the moments that bring joy to your life. From funny memories with friends and family to those little everyday things that make you laugh—these are the moments that truly matter.

Take a second today to reflect, share a laugh, and spread some positivity. You never know who might need it! 💛

What’s something that always makes you smile or laugh? 👇

04/28/2026

Take the "Fast Track" to Financial Freedom 🏎️🏡

Most people default to a 30-year mortgage because the monthly payment looks the friendliest. But if your goal is long-term wealth building, the 15 or 20-year options are the "cheat codes" of the mortgage world.

Here is why making the switch (or starting there) is a power move for your wallet:

1. Significant Interest Savings 💰
The most obvious benefit? You pay interest for half the time. On a standard loan, you could save hundreds of thousands of dollars in interest over the life of the loan. That’s money that stays in your retirement fund or your kids' college savings instead of going to the bank.

2. Lower Interest Rates 📉
Lenders generally offer lower interest rates for shorter-term loans because they are taking on less risk. By "dropping" from a 30-year to a 15-year, you aren't just paying it off faster—you’re likely securing a lower cost of borrowing altogether.

3. Accelerated Equity Building 📈
With a 30-year loan, your early payments go almost entirely toward interest. With a 15 or 20-year loan, a much larger chunk of your very first payment goes toward your principal. You’ll hit the 50% equity mark years sooner than your neighbors.

4. The "Payment-Free" Future 🥂
Imagine your life 15 years from now. No mortgage payment. That’s a massive increase in your monthly cash flow right as you might be looking toward retirement or major life changes.

Is a shorter term right for you?
The monthly payment will be higher, so it’s all about balancing your current budget with your long-term goals.

Want to see the math? Drop a "15" or "20" in the comments, and I’ll run a side-by-side comparison for you to show exactly how much you’d save in interest!

Julie Forrest NMLS #1622662
Excel Mortgage Network NMLS #225098

04/22/2026

Today is Earth Day!

We all know "Reduce, Reuse, Recycle." But have you tried my favorite environmental strategy? ♻️

Reduce: Your monthly payment.

Reuse: Your home's record-high equity for renovations.

Refinance: Because a lower interest rate is always sustainable.
The Value: Let’s be honest: Saving green 💸 is my second favorite kind of 'going green.'

If your current rate feels unsustainable, drop a "♻️" below and let’s see if we can recycle your mortgage into something better.

Julie Forrest NMLS #1622662
Excel Mortgage Network NMLS #225098

04/18/2026

You don’t have to give up your 3% interest rate to get the cash you need.

Many homeowners feel "locked in" to their current low-rate mortgage, but they still need funds for home renovations, debt consolidation, or a down payment on a, investment or second home.

A HELOC or Home Equity Loan allows you to tap into your home’s record-high equity without touching your first mortgage.

I specialize in alternative documentation options for those who might have been told "no" by big banks. For example, if you are self-employed we may be able to use bank statements for income. If you are an investor and want to refinance an investment property there are DSCR HELOC's.

Don't walk away from options that would put you in a better financial position!

Message me to see how much equity you can unlock while keeping your primary rate exactly where it is.

Julie Forrest NMLS #1622662
Excel Mortgage Network NMLS #225098

04/16/2026

Rates just took a breather—what does that actually mean for your monthly payment?

While we’ve seen some volatility lately, the 30-year fixed refinance and purchase rates saw a nice dip this week. For many, a 0.25% drop might not seem huge, but over 30 years, that’s thousands in your pocket.

If you’ve been sitting on the sidelines waiting for a "sign," this stabilization might be it.

Give me a quick call, comment or text, if you want a custom payment estimate based on today’s new numbers!

Julie Forrest NMLS #1622662
Excel Mortgage Network #225098

Address

9500 Koger Boulevard Suite 201
Saint Petersburg, FL
33702

Telephone

+17274874522

Website

https://prod.lendingpad.com/excel-mortgage-network-inc/pos#/?loid=122bc65b-7061-4909-bf96-10a61652b183

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