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​​​​​​​​​​​​​​Purchase - Refinance - Eliminate Debt

Corpus Christi - San Antonio - Houston

CONVENTIONAL LOANS

FHA LOANS

VA LOANS

Your Home Loan Mortgage Experts

Purchasing a home does not have to be complicated, in fact it is similar to a game. If you know the rules you can play the game and WIN. I’m John the Mortgage Man and as a Mortgage Coach and lender, I can help you learn the rules of the home loan game. My focus is to take the mystery out of the home loan process to make sure get the best loan for your unique needs. If you are looking to purchase a home and get a mortgage in Corpus Christi, San Antonio, Austin or anywhere else in the Texas you’ve come to the right place.

Mortgage Experience You Need

I have access to great loan programs that can make this process quick and easy. With conventional loans you will have access to a great combination of terms and low interest rates, that will allow you to own your dream home quicker and for less money. I also have access to the best government loans including FHA Loans and VA Loans. You can use an FHA loan to purchase your home with as low as a 3.5% down payment. If you are serving or have served in the military a VA loan which offers great rates and no down payment might be your best option.

Call Us Today:
(361) 510-1420

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New Home Purchases

When starting the home purchase process, you want to make sure that you get pre-approved or pre-qualified so that you’re taken seriously by sellers. Click here for a list of items you will need to start the process. As your Mortgage Coach I work with you to improve your credit, explain all of the programs available to you, and help you get funding! In addition, I will show you how to save $53,727 on your home loan! You can start the home loan process by using my Purchase Assistant tool.

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Refinance Your Home


If you already own a home and think about a refinance, I can also help you save money on your existing mortgage. Rates are currently very low, which means you could potentially save thousands of dollars a year by reducing your monthly mortgage payment. If you’ve tired to refinance but were denied due to being underwater with your home loan, I do have access to the HARP 2.0 refinance program which was created specifically to help homeowners get out of bad mortgages and lower your mortgage payments.


To get the refinance process started or even if you are just curious about how a refinance could help your situation, call and speak with me today.

Whether you are looking to purchase a new home, or save money on your current mortgage, I can help. I look forward to hearing from you and showing you how I can help as your lender.

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HOME LOAN OPTIONS

Conventional Home Loans

Purchasing a home does not have to be complicated, in fact it is similar to a game. If you know the rules you can play the game and WIN. I’m John the Mortgage Man and as a Mortgage Coach and lender, I can help you learn the rules of the home loan game. My focus is to take the mystery out of the home loan process to make sure get the best loan for your unique needs. If you are looking to purchase a home and get a mortgage in Corpus Christi, San Antonio, Austin or anywhere else in the Texas you’ve come to the right place.

MORE ABOUT CONVENTIONAL HOME LOANS

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FHA Loans

If a high down payment has stopped you from owning a home in the past, I have a solution that has worked for many home buyers. The solution is an FHA home loan. An FHA loan is a government sponsored home loan program created by the Federal Housing Administration with the idea of making a home ownership a reality for more people. Conventional home loan programs typically have down payments of 20%, however with an FHA loan that down payment is just 3.5%.

Another huge advantage of an FHA loan is that financial requirements are not as strict as what you’d have with conventional loan. You will still need to have decent credit, but are not required to have perfect credit to qualify.

The rates with FHA home loan tend to be a bit higher compared to conventional loans; however in many cases the mortgage payments that you’d pay with a FHA are lower then what you’d pay in rent for a similar home using a different loan program. This is a great program for anyone, but FHA Loans are especially popular with first time home buyers who may not have had the time to save enough for a 20% down payment and are still building their credit.

Call Us Today: (361) 510-1420

MORE ABOUT FHA LOANS

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VA Loans

So what makes a VA mortgage loan so special? The biggest advantage is that it lets you purchase a home for no money down. You won’t find too many home loan programs that offer that kind of advantage. The VA loan was created by the Veterans Administration to let more veterans purchase a home, and with the advantage of not having to worry about generating a down payment, it doesn’t get much easier then that. In my many years of lending, I’ve seen generating down payments being one of the biggest roadblocks that have stopped people from owning a home. If you qualify for a VA home loan that is no longer a worry.

Beyond the huge advantage of not having a down payment, the financial requirements are some of the most favorable that you will find with any other home loan program. In fact majority of people, who would qualify for a VA loan, would not qualify for a conventional loan program. There is a lot less paperwork and fees that are normal with conventional loan programs which will save you tons of money. Then on top of that VA home loan rates tend be on par with the lowest conventional loan rates. When you add this all up you can see that a VA loan can get you in a home easier and for less money then pretty much any other home loan program.

Call Us Today: (361) 510-1420

MORE ABOUT VA LOANS

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Become Debt Free

Before you start thinking about consolidating debt, check out my Debt Eliminator Calculator.  This is a great tool to see how fast you can get out of debt, including your mortgage.  You will be surprised how you can retire your debt and not pay more money to refinance.  I can help you look at the possiblities of refinancing to see if you can speed up the process.  If you want to review all your options give me a call or email me.

How soon can I eliminate my debts?


This calculator helps you evaluate various strategies for paying off your debt. When one debt is paid off, the payment amount normally applied to that debt is made available for use against another debt. This is referred to as the rollover strategy. Add an additional monthly payment for debt reduction to accelerate the payoff.

About John the Mortgage Man

Headshot of John and his family

Let me tell right up front, you will not consider me to be a very exciting guy.  I am pretty much a normal person, family man with six kids (three children born into our family each are married so that adds up to six) and three grandchildren, a wife and a dog.  Oh, and I do have three grand dogs.  I do not have any exciting or dangerous hobbies, so you might think I am dull or boring. Seriously, I enjoy videography, reading and people; not the activities that make you say “WOW, you’re the man” (actually I’m not the “man” I’m “The Mortgage Man“).  But I like to travel and am fortunate that my wife of 37 years works for an airline so travel is very affordable.

My career in the mortgage business came by accident.  After studying Mass Communications Radio and Television at Abilene Christian University, I went to work in broadcasting.  This led me into shopping center management and marketing, my first introduction in the real estate business.  Along the way I learned traditional and creative financing.  In addition, I taught real estate classes: contract law; real estate math; and real estate financing.

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.​​​​​​​

Call Us Today: (361) 510-1420

HOME LOAN OPTIONS

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