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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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Refinance

Have you been wondering if now is the best time to refinance or how much you could save by refinancing your current mortgage? I’m John the Mortgage Man and I’ve helped people in Corpus Christi, San Antonio, Austin and through out Texas figure out the answer to both of those questions.

Interest rates have been the lower than they’ve been in decades so now is the best time to refinance your current mortgage.

If you’ve purchased your home in the past few years and think you’ve gotten the lowest rate possible, think again. There are always opportunities to save money and the years you’ve been paying your current mortgage may just help you get a lower interest rate. Just take a look at the difference in monthly payments on a 30 year fixed rate through the last few years on a $150,000 loan.

30 Year Fixed RateMonthly Payment
6.04% on May 2008$903.19
4.66% on May 2011$774.35
3.54% on May 2013$676.92

I of course offer very competitive conventional loan refinance loans, with both fixed and adjustable rate options, with many length options. But I can also do FHA Streamline and VA Streamline refinances for government loans. The streamline refinance is a great option as it provides a much quicker refinance process. Just like the name streamline implies, it streamlines that whole refinance process with less paperwork and fees.

Take the wonder out of a refinance, I make it easy for you to get started by using my Refinance Advisor tool. Just give me your information and I’ll run the numbers so you can see if a refinance is the right choice for you

HARP 2.0 Refinance Program

Have you been trying to refinance but have been denied because you owe more on your home then it is worth? Did you feel like you are stuck paying high mortgage payments, while other people are refinancing into record low rates? Well there is now a solution. The government recently created the HARP 2.0 refinance program to help people refinance even if they are underwater on their mortgage. There are many people in Corpus Christi, San Antonio, Austin and through Texas that were affected by home prices falling, who would greatly benefit from this program.

When they purchased their home it was worth a good amount, but then the housing bubble burst and they were stuck paying high mortgage payments. An unfortunate side effect was that people who couldn’t refinance to lower payments just stopped paying their mortgage and let the home go into foreclosure. Most foreclosed home end up empty and run down for long periods of time, which brings down the property values. The Harp 2.0 refinance program helps prevent this occurrence by allowing people to refinance homes that were not eligible for a conventional refinance.

HARP 2.0 Qualifications

The qualifications for the HARP 2.0 program are pretty straight forward and almost anybody can qualify no matter how underwater you might be. To be eligible for the HARP 2.0 refinance the following must be true:

Your mortgage must have been sold to Fannie Mae or Freddie Mac before June 1, 2009.
You must be current on the mortgage and have no late payments in the last six months. A late payment is defined as one that’s more than 30 days overdue.
You must not have more than one late payment in the past 12 months.
This must be your first refinance through HARP. If you have refinanced under an earlier version of HARP, then you do not qualify.
To see if you can qualify for the HARP 2.0 just use my Refinance Advisor and I’ll let you know. Contact me today.



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Debi CampbellDebi Campbell
17:05 13 Feb 22
John McCoy and his staff are just outstanding! Their efficiency and ability to respond quickly to any of my questions and needs is what made the... difference in me getting my house so quickly. It only took 3 weeks because of their ability to expedite m paper work quickly to those that needed it, along with my clean credit! Thank you so much for all your hard work! Each one of you!read more
Bobbie-Jo TorresBobbie-Jo Torres
19:49 07 Feb 22
Very quick and helpful. They made everything smooth and easy and in terms that I could understand! Highly recommend!!
daniel villarrealdaniel villarreal
04:19 03 Oct 21
John The Mortgage Man went that extra mile to make sure I received the best mortgage on our new home. Very satisfied. Thank You John.
Danny OchoaDanny Ochoa
17:39 16 Jan 21
John was the one who took a chance on me and my wife . Thank you so much for changing our lives and putting us in our new home . If anyone out there... needs someone to help them make there dreams come true reach out to John and the professionals mbn financial.trust me they won’t let you downread more
Herb FarleyHerb Farley
23:05 06 Jan 21
What an amazing experience! John and his team were extremely responsive and easy to work with! They made the loan process easy and never hesitated... to answer our questions. I would recommend John the Mortgage Man to anyone looking for a loan!read more
Mason ShirleyMason Shirley
18:19 04 Jan 21
Working with John McCoy was very easy and convenient. He walked us through the entire loan process with excellent communication and knowledge. We... were in a time crunch to purchase a home before the end of the year, and John worked fast to make it happen. Would highly recommend!read more
Debbie PowellDebbie Powell
05:38 21 Dec 20
John has helped me purchase 2 houses! John is easy to talk to and makes you feel like family. He is the best person you could have to help you in... this process! John will make it happen! Thank goodness he came highly recommended to me. John is truly a hero!read more
Vivian SimsVivian Sims
19:38 20 Dec 20
John McCoy has been our "mortgage man" on two purchases. Both went smoothly without a complication. The money and timeline were exactly what he... represented. I have recommended him to many looking for a mortgage. If you are looking for An honest, smooth mortgage progress, call "Jo John, the Mortgage Man". Way to go "Mortgage Man"!read more
Amando CanalesAmando Canales
20:21 18 Dec 20
John The Mortgage was a most professional experience my wife and I had a pleasant experience and were most satisfied with his service his can do... attitude was greatly appreciated.read more
Mark FosterMark 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 RobertsRich 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 DeanJeremy 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 McCoyJohn McCoy
15:12 19 Feb 19
John made getting our loan processed very efficient and worry free. He will do the same for you!
CJCJ
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.
Frank J RosatiFrank 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 powelldebbie 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
Shawn LockettShawn Lockett
21:22 23 Mar 18
This guy is a wiz!!! He knows a ton about this business and how to get things done!!! Be up front, honest, and ask him your concerns and he will be... straight with you in return and get you in the house of your dreams... He was able to take us start to finish in three weeks time!!! Awesome awesome experience!!! P.S. He will only call you with news—it’s how you interpret it is up to you... Give John a call, you won’t regret it!read more
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John McCoy NMLS #308360
MBN Financial NMLS# 1009879

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