In 1991 I started originating loans. Through continuing education I have achieved certification as an FHA Specialist, VA Loan Adviser and Ethical Practices. My focus goes beyond helping clients “get a loan.” I am their mortgage coach to help them win the mortgage game. Winning the game is more than closing on the loan; but how to manage your loan in order to save thousands of dollars. I am available to answer questions after they move into their home and stay in contact with my clients to give information on how to save and manage money.
Over the past 22 years of doing home loans in Corpus Christi, change has been the one constant in the mortgage industry. One major shift has been in how lenders view your credit. For over ten years, and before it was popular, I have helped clients understand the importance of credit and given them strategies on how to improve their credit and be able to get a better loan. Today it is imperative you understand credit and how to manage it in a way that strengthens your score. For this reason, I educate consumers on the “rules” of getting a home loan and the use of credit. This helps them to be prepared when they start the process of buying a home.
I am often asked about the name John The Mortgage Man. The truth is I did not come up with the name. I had only been in the mortgage business a couple of years and had a very unique loan. The clients had tried banks and other mortgage brokers but could not get a loan. Because of my background in creative financing they were able to close on their home. After the closing the realtor said, John you are the mortgage man. It stuck! Now, 20 years later, I still enjoy helping families finance a home; showing them how to retire debt and helping them build financial stability.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night...
NMLS 1795154