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Julee Felsman | Workshop Team | Guaranteed Rate
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Lending in all 50 states.
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Welcome! 👋😄 If you want to learn about home buying, mortgages, real estate investing, and other related topics, you came to the right place. I created this channel to share information from my 29 years as a lender and 25 years as a real estate investor.

Decisions around buying a home, financing, and real estate investing can be clear and simple when you have the right information and understand the process. I'm a mortgage nerd at heart and excited to share and educate. I hope that you can apply what you learn on your own journey.

And when you're ready for a mortgage... my team and I are here to help. (Can't wait to talk!)

Julee Felsman, NMLS #120831
cell: 503-799-3711
2022 awards: Top 1%, #87 nationally, #18 woman, #1 Oregon
Guaranteed Rate NMLS #2611
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0:49

Self-employed Homebuyer Workshop — 2026

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 4 months ago

39K views

12:49

High DTI and No Cosigner? This New FHA Rule Changes Everything

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 8 months ago

883 views

22:20

Can’t Qualify for a Mortgage? Try These 4 Workarounds

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 9 months ago

697 views

25:48

Discount Points: Worth It or a Waste? How to Make the Smart Choice

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

362 views

1:34

How to Track Mortgage Rates: 3 Pro-Level Tools for Savvy Home Buyers

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

125 views

2:28

What Happens When You Close on a Home? The Exciting Final Steps Explained

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

127 views

1:48

Loan Approved, But Not Done Yet—What Is Conditional Loan Approval?

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

261 views

1:24

Underwriting Explained: The Moment Your Loan Is Approved (or Denied)

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

175 views

2:08

What Is Mortgage Processing? Loan Approval (or Denial) Depends on It!

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

93 views

1:52

How to Order a Home Appraisal (and What to Expect)

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

66 views

3:01

Every Document Needed for a Mortgage Application Explained (There Are SO Many)

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

97 views

0:50

Don’t Sabotage Your Mortgage: 54 Pro Tips for a Smooth Process

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

63 views

1:25

Discount Points Demystified: Make the Smart Mortgage Choice

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

31 views

1:37

Rate Lock or Risk? Understand the Rate Lock Process & Timing

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

46 views

8:14

What Happens After Your Offer is Accepted? A Step-by-Step Mortgage Guide

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

301 views

2:04

Offer Accepted! How to Make Your Mortgage Process Smooth & Easy

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 10 months ago

52 views

34:31

What's an Appraisal Gap? Risks, Benefits and Strategies Explained

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 1 year ago

2.1K views

23:20

Get a Home Mortgage WITHOUT 2 Years of Work History | Your Guide to Buying a House with a New Job

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 1 year ago

2.7K views

12:16

What is a mortgage? 10 surprising answers to one simple question

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 1 year ago

1.7K views

52:35

Self-Employed Mortgage | Maximizing S-Corporation Income for Loans

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

6.4K views

40:33

Self-Employed Mortgage | Sole Proprietor Income, How Do Lenders Calculate It?

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

3.5K views

27:25

Self-Employed? Here’s How to Get a Loan!

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.3K views

14:40

Fannie Mae & an LLC: How Real Estate Investors Can Have Both!

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

2.5K views

22:03

Don't Buy A House Until You Watch This

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

2.2K views

12:58

Mortgage Credit Report | FICO Score vs Credit Karma | Why Are My Scores Different?

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

5K views

47:19

How to Assume an FHA Loan: Insider Tips from a Buyer & Broker

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

3.4K views

36:16

Discount Points Explained: How to Analyze Points?

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.3K views

1:05:19

Case Study: How Fannie Mae's 5% Down Payment Rule Change Redefines House-Hacking

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

597 views

14:48

How Does a 2-1 Buydown Work? (REALLY) | Pros, Cons, Alternatives

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.4K views

6:37

Property Tax Time in Oregon | FAQs | What You Need to Know

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

502 views

57:11

The House Hacker's Guide | Expert Advice from an Old Pro

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

12K views

3:34

Physician Home Loans | Zero down payment for Doctor, Dentist or Veterinarian

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

430 views

48:20

SMARTEST Way to Spend Seller Credits | Everything You Need to Know

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.6K views

16:27

Home Appraisal Process and FAQs

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.4K views

24:23

New Appraisal Alternatives: Full vs Waiver vs Property Inspection Report

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

397 views

11:37

Can You Finance a Home with an Illegal or Unpermitted ADU?

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

2.5K views

19:29

Property Taxes at Closing in Oregon | What are Prorations, Escrow Deposits, Hold & Pay?

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.1K views

34:37

Secret to Cancel MI Fast: ULTIMATE Guide to Getting Rid of Mortgage Insurance

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.8K views

18:22

Understanding Oregon Property Taxes — For Home Buyers

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.3K views

20:43

Interesting Things About Mortgage Interest | Understanding Interim Interest

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

747 views

17:56

Debt-to-Income Ratio Explained (Pt 6 of 6) - DTI too high? Let's fix it!

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

6.6K views

13:12

Debt-to-Income Ratio Explained (Pt 5 of 6) - How Lenders Use DTI in Mortgage Qualifying

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

947 views

13:53

Debt-to-Income Ratio Explained (Pt 4 of 6) - FHA, VA, USDA, Fannie Mae, Jumbo Mortgage Guidelines

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.2K views

25:50

Debt-to-Income Ratio Explained (Pt 3 of 6) - Income for Mortgage Qualifying (DTI)

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.1K views

25:26

Using Alimony, Spousal or Child Support to Buy a House | Divorce Mortgage Lending

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

786 views

9:34

Debt-to-Income Ratio Explained (Pt 2 of 6) - The Debt Part of the Equation

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.2K views

3:08

Debt-to-Income Ratio Explained (Pt 1 of 6) - The Basics of the DTI Calculation

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 2 years ago

1.4K views

42:18

Mortgage Closing Costs (and Prepaids) Explained: How Much Are They? The Complete Guide

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

847 views

21:30

Mortgage Interest Rates Explained | How Are Mortgage Rates Set?

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

606 views

7:20

Divorce mortgage lending | Using Voluntary Support Payments to Qualify for a Mortgage

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

198 views

19:16

Home Equity Lines of Credit Explained | How a HELOC Works, Pros and Cons

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

200K views

46:27

Complete Guide to ADU Financing: How to Fund Construction of your Accessory Dwelling Unit

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

40K views

10:51

Cosigner on Mortgage - How to, Pros and Cons

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

6.8K views

6:42

Lower Your Mortgage Payment | Mortgage Recast

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

3.8K views

3:24

Tax Breaks for First Time Homebuyer Savings — USA First-time Homebuyer Savings Account - FHSA

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

1.1K views

4:18

Tax Breaks for Oregon First Time Homebuyer Savings - Oregon FHSA

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

1K views

6:36

STOP Mortgage Spam Calls: Tips to Avoid Trigger Leads

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

1.4K views

10:48

Self-Employed Mortgage - Tax-Time Tips and Advice

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

345 views

5:37

How to Buy a Home While Still Paying Alimony - Here's the Secret!

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

113 views

2:57

Divorce? How to Save on Your Next Mortgage!

Julee Felsman | Workshop Team | Guaranteed Rate

Shared 3 years ago

183 views

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