Julia Maio Mortgage Loan Officer

01/16/2026

It’s a major shift from where rates were a year ago: Last January, the 30-year rate averaged 7.04%

01/13/2026

How much is that 'sunshine tax', really? And how much does one have to earn in 2026 to be considered middle class in America's Finest City? Spoiler: quite a lot. Read more below...

01/11/2026

On a week where the mortgage market was most likely to experience volatility due to Friday's jobs report, Thursday afternoon's surprise announcement of $200bln in GSE MBS (mortgage-backed securities) buying stole the show. This was already juicing the underlying MBS market yesterday afternoo...

01/06/2026

An appraisal waiver allows qualified homebuyers to skip the in-person appraisal process and save on the appraisal fee. Instead, the home’s value is determined by other data, like recent home sales in the neighborhood. Want to learn if your property qualifies? DM me!

01/03/2026

Did you know you could access up to 89.99% of your home's equity with a cash-out refinance (without adding mortgage insurance)? It's a great way to get the extra funds you need. Contact me today to learn how!

01/02/2026

Today's higher property values may be a good time to refinance your reverse mortgage. I may be able to help you get more cash out or a lower rate:) Reach out for a mortgage analysis today!

12/31/2025

The holiday season seems to come and go faster and faster each passing year — all the more reason to live this season to its fullest. Enjoy quality time with family and friends today and every day. Happy New Year!

04/22/2025