Julie Settlemire NMLS #140728

Xpert Home Lending Inc - NMLS #2179191

Your Xpert Lender

Meet Julie Settlemire NMLS #140728

Julie Settlemire helps Tennessee, Alabama and North Carolina borrowers navigate mortgages with clarity and confidence. Whether you're buying your first home, moving up, refinancing, or investing, she brings real expertise to loans that other lenders hesitate to touch—jumbo mortgages, VA loans, self-employed scenarios, and renovation financing. She understands that borrowers come with different stories. First-time buyers need patience and education. Investors need speed and flexibility. Self-employed professionals need someone who gets their tax situation. Veterans deserve a streamlined VA loan process. Julie meets each client where they are. Ready to talk mortgages? Reach out and let's find the right loan for your situation.

Years of Experience: 33 years

Testimonials

Reviews from verified clients

Julie was extremely professional in all of her interactions with my wife and I during this process of funding a new home mortgage. We did the new home purchase and mortgage application from CA and the process was made as easy as I believe it could be. Thank you Julie for bearing with me!!

Robert C

Everything when great and in a timely fashion. Julie was professional easy to understand through the process. I would to recommend her to anyone needing a loan.

Mike C

Julie was very personable and knowledgeable about all aspects of our refinance. She was also very quick to respond to texts and emails. It was our pleasure to be able to work with her.

cin7112

It was an excellent experience working with Julie! She was very efficient and responsive to any questions or issues. I would highly recommend using Julie Rainey!

Kim L

Julie got this process started efficiently and answered all of our questions along the way. Smooth sailing and very easy for us, making this daunting process much less so. Everything was able to be done remotely, via email, making it that much simpler.

Ashley S

Wow!! Julie is just amazing. Going into this I was very nervous because of my inexperience in the home buying process. She answered so many of my questions and made me feel at ease throughout this stressful process. And on top of all that she got me a very very low rate and all of this within my tim...

Rick J