# Julie A Jones Mortgage

> Julie A Jones is a Senior Loan Officer and Branch Leader at Movement Mortgage based in Eastlake, Seattle (98102), serving homebuyers and homeowners across Seattle and King County. Her loan officer page reflects a 4.92-star aggregate rating from 476 client reviews. The site provides home loan program details (conventional, FHA, VA, jumbo, USDA, and specialty floating-home financing), neighborhood-anchored mortgage guides for Eastlake and adjacent Seattle neighborhoods, refinance resources, and first-time buyer program guidance for Washington State buyers. NMLS #177001.

## Main Pages
- [Home](https://julieajones.com/): Julie A Jones, Senior Loan Officer at Movement Mortgage in Eastlake, Seattle
- [About Julie A Jones](https://julieajones.com/about): Bio, credentials, licensing, and client review summary
- [Contact](https://julieajones.com/contact): Phone, email, office address, and Movement application starting point
- [Loan Programs](https://julieajones.com/loan-programs): Hub for Movement Mortgage loan program details available through Julie
- [Resources Hub](https://julieajones.com/resources/): Index of all Seattle mortgage guides, grouped by neighborhood, by Washington/King County program, and by life-transition decision

## Loan Programs
- Conventional Home Loans (3, 5, 10, 15, 20% down) — TODO deep-dive pages
- FHA Home Loans — TODO deep-dive page
- VA Home Loans — TODO deep-dive page
- Jumbo and High-Balance Loans — TODO deep-dive page
- USDA Home Loans — TODO deep-dive page
- First-Time Buyer Programs (WSHFC Home Advantage, House Key, city of Seattle DPA) — TODO deep-dive page
- Refinance Options (rate-and-term, cash-out, PMI-removal) — TODO deep-dive page
- Floating Home Financing (Lake Union and Portage Bay specialty) — TODO deep-dive page

## Service Areas (Tier 1 — primary anchor)
- [Eastlake, Seattle](https://julieajones.com/cities/eastlake): Julie's home neighborhood and Movement office location (98102)

## Service Areas (Tier 2 — adjacent Seattle neighborhoods)
- [South Lake Union, Seattle](https://julieajones.com/cities/south-lake-union): Biotech-corridor buyers and high-rise condo financing
- [Capitol Hill, Seattle](https://julieajones.com/cities/capitol-hill): Townhome and condo buyer financing
- [Wallingford, Seattle](https://julieajones.com/cities/wallingford): Craftsman SFH and family buyer guidance
- [University District, Seattle](https://julieajones.com/cities/u-district): Owner-occupied and investor buyer financing near U-Link

## Published Articles (R1, 2026-05-18)

### Phase A — Eastlake core
- [Eastlake, Seattle Home Loans: A Mortgage Buyer's Guide](https://julieajones.com/cities/eastlake/): Hub — pricing tiers, 98102 conforming vs jumbo, condo vs SFH, floating-home portfolio path
- [Houseboat and Floating Home Financing in Eastlake, Seattle](https://julieajones.com/resources/floating-home-financing-eastlake-seattle/): Portage Bay and Lake Union floating-home loan paths, named moorages, portfolio loan terms
- [Eastlake, Seattle Condo and Townhome Financing](https://julieajones.com/resources/eastlake-seattle-condo-townhome-financing/): HOA project review, warrantable vs non-warrantable, FHA single-unit approval, fee-simple vs condo townhome
- [First-Time Buyer Mortgage Programs in Eastlake, Seattle](https://julieajones.com/resources/first-time-buyer-mortgage-eastlake-seattle/): WSHFC, House Key, Seattle DPA, employer DPA programs, stacking rules
- [Eastlake, Seattle Mortgage Rates: How to Read the 2026 Market](https://julieajones.com/resources/eastlake-seattle-mortgage-rates-market-read/): 10-yr Treasury, MBS spreads, Fed signals, MBS coupons applied to Seattle
- [Refinancing Your Eastlake, Seattle Home: When It Makes Sense](https://julieajones.com/resources/refinancing-eastlake-seattle-home/): Break-even math, rate-and-term vs cash-out vs HELOC, ARM-to-fixed, PMI removal

### Phase B — Tier 2 adjacent
- [South Lake Union, Seattle Home Loans](https://julieajones.com/cities/south-lake-union/): Biotech corridor, RSU income qualifying, high-rise condo warrantability, visa-borrower programs
- [Capitol Hill, Seattle Home Loans](https://julieajones.com/cities/capitol-hill/): Townhome boom, fee-simple vs condo distinction, older-stock litigation review
- [Wallingford, Seattle Home Loans](https://julieajones.com/cities/wallingford/): Move-up buyer math, jumbo dominance, HomeStyle reno, option-school vs attendance-area, ADU/DADU
- [U District, Seattle Home Loans](https://julieajones.com/cities/u-district/): Owner-occupied vs investor split, FHA 2-4 unit self-sufficiency test, ADU/DADU rental income, DSCR loans

### Phase C — Cross-cutting and program pillars
- [Seattle Jumbo Mortgages](https://julieajones.com/resources/seattle-jumbo-mortgages/): King County 2026 conforming limit, jumbo vs high-balance, overlays, per-neighborhood loan-size examples
- [Washington Down Payment Assistance for Seattle Buyers](https://julieajones.com/resources/washington-down-payment-assistance-seattle/): WSHFC programs in depth, city of Seattle, employer DPA, stacking rules
- [Washington State Home Loan Programs: Complete Buyer's Guide](https://julieajones.com/resources/washington-state-home-loan-programs/): Federal + WSHFC + reno + Section 184 + refinance program pillar
- [King County Home Loan Programs: Complete Buyer's Guide](https://julieajones.com/resources/king-county-home-loan-programs/): County conforming limit + ARCH + city programs + employer DPA roundup

## Life-Transition Series (R2, 2026-05-18)

Eight practical playbooks for clients in transition. Mortgage advice for the moments where rate-shopping isn't the right starting point.

- [Mortgage Decisions in a Divorce: Refinancing, Buyouts, and Selling the House](https://julieajones.com/resources/mortgage-decisions-in-a-divorce-seattle/): Three paths after divorce (refi-buyout / assume / sell-split), quitclaim deed limitations, support income for qualifying, VA entitlement restoration, WA community property
- [Inheriting a Home: Mortgage Options When You Lose a Parent](https://julieajones.com/resources/inheriting-a-home-with-a-mortgage/): Garn-St Germain protections, FHA/VA/USDA assumption, cash-out refi for sibling buyouts, HECM heir 6-month window + non-recourse payoff, King County probate
- [Mortgage Decisions During a Job Loss or Career Change](https://julieajones.com/resources/mortgage-decisions-during-job-loss/): Already-own scenario (forbearance, loan mod, FHA partial claim, VA mod) + new-employment qualifying, self-employed transition, asset depletion / non-QM
- [Buying a Bigger Home for a Growing Family: A Seattle Mortgage Guide](https://julieajones.com/resources/growing-family-home-loan-seattle/): Move-up financing paths (contingent, bridge, HELOC, simultaneous close), HomeStyle / 203(k) renovation alternative, ADU/DADU expansion
- [Marriage and Mortgages: Combining Finances and Titles](https://julieajones.com/resources/marriage-and-mortgages/): Adding a spouse to title vs loan, combined-income qualifying, two-mortgage scenarios, WA community-property vesting choices, credit-score blending
- [Multigenerational Housing in Seattle: Financing a Home with an In-Law Suite or ADU](https://julieajones.com/resources/multigenerational-home-loan-seattle/): Seattle 2019 ADU/DADU reform, 2-4 unit owner-occupied options, parent co-borrower structures, aging-in-place modification financing
- [Empty Nest in Seattle: Should You Downsize, Rightsize, or Renovate](https://julieajones.com/resources/empty-nest-downsize-seattle/): Three-path decision frame, Section 121 capital gains exclusion, HECM-for-Purchase, HomeStyle vs HELOC for aging-in-place renovation
- [Retirement and Your Mortgage: Reverse Mortgages, Asset Depletion, and Paying It Off](https://julieajones.com/resources/retirement-mortgage-options-seattle/): HECM full coverage, HECM-for-Purchase mechanics, asset depletion qualifying, Social Security gross-up, pay-off-vs-invest decision frame

## Contact
- Julie A Jones, Branch Leader and Senior Loan Officer, Movement Mortgage
- NMLS #177001 (state license WA-MLO-177001)
- Phone: (206) 778-5825
- Email: julie.jones@movement.com
- Office: 2701 Eastlake Ave E, Unit 105, Seattle, WA 98102
- Movement LO page: https://movement.com/lo/julie-jones
- Google Business Profile: https://share.google/Rq8ZLzLe9cVX6fQsX
- Zillow lender profile: https://www.zillow.com/lender-profile/JulieJonesHomeLoans/
- Experience.com reviews: https://www.experience.com/reviews/julie-jones-263129