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John The Mortgage Man
4838 Holly Rd. Suite 201
Corpus Christi, TX 78411
(361) 510-1420johnthemortgageman@hotmail.com
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Mortgage Corpus Christi

Home Mortgages for purchase, refinance, or elimination of debt in Corpus Christi, TX are provided by John The Mortgage Man!  We offer a variety of mortgage options including conventional, FHA, VA, and many others.

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.

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About John The Mortgage Man

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.

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.

mortgage man video

Meet John!

Mortgage Options In Corpus Christi, TX

Conventional Home Loans

Conventional loans are home loan programs that are backed by Fannie Mae and Freddie Mac, to give mortgage lenders more confidence in lending out money. They set the terms that all mortgage lenders have to follow. One of the main terms that conventional loans have are they require a 20% down payment. While this tends to be one of the higher down payments that you will find, the interest rates tend to be lowest.

Conventional home loan programs are perfect for potential home owners that have saved enough money for that larger down payment. This way if you have the ability to pay that larger down payment you then will more then likely get the lowest possible interest rate. That means you will pay the least amount of money for that home, first because you’ve paid off such a large part of the home’s price with the higher down payment, so the loan will be less and then the interest rate on it will be so low your monthly payments will very low as well.

Click Here for more about conventional home loans.

 

FHA Home 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.

Click Here for more about FHA home loans.

VA Home 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.

Click Here for more about VA home loans.

Click Here To Learn About Fixed Rate Mortgage

Click Here To Learn About Conforming Loans

Click Here To Learn About B/C Loans

Click Here To Learn About Jumbo Loans

Click Here To Learn About RHS Loan Programs

Click Here To Learn About State & Local Housing Programs



Meet them man…the mortgage man.

Mortgage Man
Mark Foster
Mark Foster
11:17 30 May 19
John and his team worked diligently to make the process as easy as possible. They kept me informed and sent me step by step what they were doing so I always knew where we were in the process. I had a very low credit score and they still made it happen! Thanks John, Troy, Allan and the whole team.read more
Rich and Bekah Roberts
Rich and Bekah Roberts
17:43 24 May 19
John and his team are excellent at what they do. Very friendly and helpful, yet also down to earth and realistic about your ability to attain such and such mortgage. John will let you know if your "dreams" are a match with the reality of your financial situation. John wants you in a mortgage, but he wants you in one you can afford comfortably. I had numerous questions throughout process, and John gladly answered each and every one. I am very grateful my wife and I chose John, and would do so again if/when we have other mortgage needs. If you're ready to buy a home, you wont be disappointed with John McCoy!read more
Jeremy Dean
Jeremy Dean
06:16 07 Mar 19
John the Mortgage Man worked to get me and my wife into our first home this year! We had some issues with low funds, high debt and bad credit, but John helped us to determine how much we needed to save up to get in the home we wanted. Once we got there John was able to hook us up with a lender and get us a good deal on a loan. We closed in just over two weeks from the time we found a house that we wanted! John always made us feel at ease and answered any questions we had. Very knowledgeable, very responsive and very kind! Thank you John for everything! Highly recommend!!!read more
John McCoy
John McCoy
15:12 19 Feb 19
John made getting our loan processed very efficient and worry free. He will do the same for you!
CJ
CJ
19:47 20 Oct 18
12 days from application to closing, now that's fast! Great overall service, everything John said he would do, he did it. My clients were thrilled.read more
Frank J Rosati
Frank J Rosati
19:15 20 Oct 18
John made everything easy for the purchase. He had everything covered (all the associated costs, paperwork) that I needed to close. It was a pleasure to work with him again (this is my second time working with John) and I would highly recommend him to anyone looking to finance a home.read more
debbie powell
debbie powell
19:05 19 Aug 18
John goes out of the way for you to make sure you are informed, kept up to date, and always professional. Definitely goes the extra mile to help! Everything is done in a timely manner. Thanks so much John! This is my second mortgage through John McCoy and team.read more
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John The Mortgage Man
4838 Holly Rd Suite 201
Corpus Christi, TX 78411
(361) 510-1420johnthemortgageman@hotmail.com