Coastal Orange County Purchase Loan Specialist.... John Rainey |

Mortgage and Lending with Rainey Financing Team | VA FHA Jumbo Loan Experts NMLS Lic #269293

with 10yrs experience in the mortgage industry... I have seen a lot of changes. Throughout thick and thin, there is still one thing that stands true. Great service is the key to longevity.

There are a lot of Loan Officers that have never completed a purchase loan transaction, having relied solely on the refinance market and now scrambling to jump into the purchase market. Just because someone can complete a refinance transaction doesn't mean they would make a good purchase Loan Officer. I call refi guy's.... App Takers... because all they know to do is answer a phone and take an application.

Purchase transactions takes a lot more. Its take someone that knows how Mortgage Baked Securities move the interest rates along with a true ability to have clients gain trust in their ability to see the trends that the markets go through and be able to explain to their clients when the best time to lock in rates. Following trends in Mortgage Backed Securities takes a true understanding of the markets and what makes them move.

With thousands of purchase loan transactions under my belt... I feel confident that my customers can buy a home knowing that when I say we will close on time... We close on time. 

Call John Rainey for the best service in the industry... 949.637.7754 or online at

John Rainey | Purchase Loan Specialist
Castle & Cooke Mortgage - Newport Beach

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