Lending with Julie

10/23/2026

🏡 CLOSED & FUNDED! 🎉🔑

This client was denied by another lender and sent my way mid-transaction. I took a fresh look, worked through the financing, and we got it DONE 🙌🏼

This is why I always say, a no from one lender doesn’t always mean it’s a no!

If you’ve been denied by another lender or you’re under contract and struggling to get communication from yours, let’s talk 😊

I’m all about finding solutions and figuring out what we can do to get you into the home you want! 🏡

📩 Send me a message. Let’s see what we can make happen!

Julie Gonzalez
Your neighborhood mortgage lender 🏡

10/09/2026

Great info!

As a mortgage lender, I have seen these type of loans disqualify a borrower due to DTI issues. At the end of the day, if you can't afford to pay it in full, you may need to think twice about opening up a loan for something you can't afford to pay back.

🎸 Financial Literacy Friday: Metallica Edition! 🤘

So, I was looking at Metallica tickets, and you know how it goes....You get excited, find the seats you want, see the total, and suddenly that Buy Now, Pay Later option starts looking REALLY good! 😂

Let's talk a little bit about BNPL!

Services like Klarna, Affirm, and Afterpay make it so easy to buy things without paying everything upfront.

Here's where you have to be careful.

Some BNPL loans may appear on your credit report, and missed payments can hurt your credit. Newer credit scoring models are also beginning to consider BNPL activity.

A $50 payment here, $75 there, another $100 somewhere else. Before you know it, you've committed to $500 or more in monthly payments! And that's on top of your regular bills.

The problem isn't always one big purchase. It's all those little payments adding up because they seemed affordable at the time.

I'm all for enjoying life, going to concerts, shopping, and making memories. But don't let the convenience of smaller payments fool you into spending more than you can afford. They can get you a bit of trouble if not careful! Been there, done that! 🥲

You may be buying now, but your future paychecks are already spoken for! If you're not careful.

Enjoy life, just be mindful of what you're committing to. ❤️

10/08/2026

The real estate market is always changing, but that doesn’t mean opportunity disappears when interest rates rise...

When interest rates rise, some buyers press pause. That can mean less competition and more room to negotiate on price, repairs, or seller concessions 💭

Here’s the bigger picture: when rates come down, more buyers may jump back into the market, increasing competition and putting upward pressure on home prices 📈

So while everyone is waiting for rates to drop, home prices may not stay where they are today. The savings you hope to get from a lower interest rate could be offset by paying more for the house itself!

The goal isn’t to predict the perfect time to buy. It’s to look at the whole investment: purchase price, interest rate, monthly payment, cash to close, and negotiating opportunities.

And remember, you may be able to negotiate seller concessions toward eligible closing costs or an interest-rate buydown, depending on the loan program 🏠

The right strategy can make a difference. Let’s run the numbers and see what makes sense for your situation. Send me a message if you want to explore your options! 📩


Follow Mortgage Loans with Julie for more mortgage tips & information! 🏡

09/17/2026

UNDER CONTRACT 🏡🔑

This beautiful historic home is officially out of option period! 🤎

There’s nothing better than helping my buyers navigate the financing side of their homeownership journey and getting one step closer to the closing table.

Financing secured. Contract signed. Next stop: CLOSING! 🎉

09/14/2026

A year ago, I walked out of my last 8–5 with no idea exactly what the next chapter was going to look like.

I just knew I had prayed about it, felt God leading me in a different direction, and decided to trust Him enough to take the leap. 🙏🏼

Today, I can look back and say with so much gratitude… I’m still here. ❤️

A full year of being a mortgage loan officer full time. A full year of learning, growing, stretching myself, meeting incredible people, navigating challenges, celebrating closings, and figuring out what it really means to build something of my own.

Has it been easy? Absolutely not.

Have there been moments where I questioned myself? More than once.

But every time, I come back to the same thing: God put me here for a reason.

I’m incredibly proud of the growth I’ve experienced this past year, both personally and professionally. And I’m continuing to trust that I am exactly where I need to be, even when I can’t see the whole picture yet.

I’m your neighborhood mortgage loan officer, and I genuinely care about helping people make smart decisions with one of the biggest financial decisions of their lives. 🤍

Another year down. Still learning. Still growing. Still trusting God with the next chapter.

And I’m so grateful I took that leap. ✨️


With love,
Your neighborhood mortgage lender
Mortgage Loans with Julie 🏡

09/05/2026

One of my 1% lender incentive signs found a home at 2115 Hollow Circle 🏡

This home sits on the far west side of San Antonio conveniently close to Lackland AFB, a HEB Plus and Loop 410.

Every home purchase is different, and incentives can make a real difference. If you're curious about what this could mean for your payment or closing costs, send me a message and let's run the numbers!

Julie Gonzalez
📲 (210) 387-0877

Listing Agent: Diana Herrera

09/02/2026

We are ONE WEEK away!!! 📢

I'm so excited to be part of WE Connect SA on September 9th!

One of my favorite things about this event is that it's bringing together business owners, entrepreneurs, and REALTORS® who genuinely want to build relationships, not just collect business cards.

** Realtors, you will receive a CE credit! **

I'll have a table at the event, so if you're coming, please stop by and introduce yourself. I'd love to meet you!

If you haven't grabbed your ticket yet, please do so!

Mortgage Loans with Julie ❤️