Julie Birt isn't just another mortgage officer—she's on a mission to transform how homebuyers experience the mortgage process in Fredericksburg, Stafford, and Spotsylvania. After 30+ years as a federal employee, Julie brings her lifelong passion for housing and construction to help locals navigate what's likely the biggest financial decision they'll ever make.
"When you buy a house, that's one of the biggest purchases most people will experience in their life, and it's very daunting for some," Julie explains. That's why she chose to work with Mortgage Network Solutions, a small family company that prioritizes customer education over high-volume processing. Unlike the "turning system" of larger companies, Julie takes time to explore various loan options with clients, ensuring they understand not just interest rates and payments, but which type of mortgage truly fits their situation.
The mortgage industry has evolved dramatically, with non-bank lenders now comprising approximately 60% of the market—a fact many homebuyers don't realize. As a mortgage broker, Julie can access numerous lenders, offering clients more options regardless of their credit situation. She debunks the misconception that mortgage brokers only work with poor-credit applicants or charge higher fees, emphasizing that her approach focuses on finding the right fit for each client's unique circumstances.
Communication stands at the heart of Julie's business philosophy. Having experienced the frustration of poor communication during her own refinance, she ensures clients never feel forgotten during the process. Available evenings and weekends, Julie makes herself accessible whether through in-person meetings, Zoom calls, or phone conversations. She's planning free educational workshops at the Fredericksburg library to demystify the mortgage process for first-time homebuyers. When not helping clients, Julie volunteers with Fredericksburg Tree Stewards and the local food bank, demonstrating her genuine commitment to the community she serves. Ready to work with a mortgage professional who puts your understanding first? Julie Birt is ready to help you make homeownership a reality.

Julie Birt

Mortgage Network Solutions, LLC

826.246.9436

mortgages.com