Twenty years reading the paperwork before I ever wrote a loan.
I’m Julene Stewart, a Mortgage Broker with MS Lending, LLC in Madison, Mississippi.
My career started in 1995 as a secretary for a real estate attorney. I worked as a paralegal until 2016 — more than two decades of title work, contracts, and closings. I read the documents most buyers only glance at while they’re signing them.
In 2016 I crossed over and became a loan originator at Fidelity Mortgage. When Fidelity merged, I joined MS Lending in March 2023, and I’ve been here since.
Mississippi has been home since 2006 — these are my neighbors, and this is my community.
Home purchase financing
Conventional, FHA, VA, USDA, and jumbo. Pre-approvals that hold up when you’re competing for a house.
Refinancing
Rate-and-term, cash-out, or dropping mortgage insurance. Including an honest “wait six months” when that’s the right call.
Personalized lending advice
Credit repair paths, self-employed income, gift funds, and the questions you were afraid sounded dumb. They don’t.
Where I show up.
A mortgage is a local business. Most of what I do outside the office is about keeping Mississippi housing healthy and keeping independent brokers in the room when the rules get written.
Industry
- National Vice Chair, Broker Action Coalition PAC
- Member, Association of Independent Mortgage Experts (AIME)
- Founding Member, Mortgage Women of Mississippi
- Certified Financial Counselor
Community
- Secretary, Madison County Chamber of Commerce
- Director, Madison County First Responder Fund
- Member, MSCHIP
Let’s see what you qualify for.
The application takes about ten minutes, and there’s no cost to find out where you stand.