I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Delaware. My mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry,my dedicated team stands ready to assist each and every step of the way.

You only think about home financing a few times during your life ~ I think about it every single day. It's your home and your future. It's my profession and my passion. I am ready to work for your best interest.

A Certified Mortgage Planner is unlike a traditional loan officer. As a mortgage planner, my role is to help you integrate the loan that you select into your overall long and short-term financial and investment plan, to minimize taxes and interest expense and improve cash flow. My team is dedicated to delivering superior mortgage advice and world-class customer service to you. Our goal is to take such great care of you and your loan that we earn your loyal business and your referrals to family and friends. Our success was built by referral...one happy client at a time.

I am able to direct lend as well as broker loans, so will be able to find the right lender with the right product.  Being able to broker is extremely important in todays market because if you are with just a direct lender, that lender may be out of business before your loan closes, for example American Home Mortgage right here in Delaware left hundreds of people desparately searching for a loan when they closed their doors.

I am certified in FHA Loans, Reverse Mortgages, VA loans, USDA Rural Housing Program, First Time Home Buyer Programs, Commercial Lending, Construction Loans, Bankruptcy Buy-outs, Divorce settlements, and hard money lending.

Here is a recommendation from a top financial planner

"In my line of work (financial advisor) I often have the need of brining in a mortgage expert to work with my clients. I have recommended John many times, and have always been impressed with his level of expertise and have never been disappointed with his level of responsiveness to a particular client's need. Not only can he find the right product, but he will educate you on all the options and help you to understand the decision you are making." March 10, 2008

Top qualities: Great Results, Personable, Expert

Douglas MacGray, J.D., C.F.P.
hired John as a Mortgage Consultant in 2,006, and hired John more than once

This section, using real life examples, details how Mortgage Coach, my unique mortgage solution software, separates me from the rest of the mortgage industry by providing information to clients that other mortgage lenders don't think to offer; thereby, helping my clients make more informed decisions about the financing options available to them. 

Case Study 1

A client is open to refinancing his mortgage to lower his rate, when rates fall below a certain level.  With the Rate Watch Report, I can e-mail him/her (on a monthly basis) a comparison of current market rates and what the monthly savings would be.  The client can then make more informed decisions based on current market data. 

 Case Study 2

A client wants to refinance his loan to lower his monthly payments.  However, he's not sure consolidating his credit debt into his mortgage makes financial sense.  With the Debt Free Analysis, I can show the client how paying consumer debt through refinancing can be beneficial to him and what those benefits total in monthly savings.     

Case Study 3 

A client doesn't know what mortgage rate/cost structure is the most beneficial for their situation.  Unlike what you may have heard from the news media, The Lowest Rate is Not Always The Best Loan.  With my Total Cost Analysis, I can provide a comparison of 3 to 4 rate/cost scenarios, allowing the client to pick the one that best fits their lifestyle and future plans. 

  Case Study 4

A client is purchasing a property with less than 20% down payment (which typically requires Private Mortgage Insurance or PMI), but doesn't know the options available to him/her.  With my PMI Comparison Analysis Report, I can show that a 1st and 2nd loan combination, instead of PMI (Private Mortgage Insurance),  will reduce monthly payments, increase tax deductions and increase equity. 

 Case Study 5

A client is concerned about living paycheck-to-paycheck and is considering either ending monthly investment in their retirement account/investments or canceling an insurance policy to free up monthly cash.  With our Equity Repositioning Report I can show them how refinancing and continuing to contribute to their investments can not only increase their monthly cash flow but will also help them invest more fully in their financial future.