Seasoned Loan Officer with 20+ years guiding borrowers, from first-time homebuyers to self-employed individuals, through successful real estate transactions. John provides clear, accurate information empowering clients to make confident decisions. Expertise includes precise mortgage payment estimates, closing cost projections, and down payment analysis, ensuring a smooth closing process. Proficient in Conventional and FHA lending, John quickly identifies and recommends optimal loan programs tailored to each client's unique financial situation.