John Smith
Senior Loan Officer
Licensed: MN, AZ
Response Time: <1 hour
Success Rate: 97%
Avg Close: 12 days
4.9/5 (127 reviews)
"John made our purchase process incredibly smooth. He explained every step, didn't pressure us, and got us a rate we were thrilled with. Closed in 11 days!"
- Sarah M.
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About John Smith
John has been in the mortgage industry for 8 years. He's a specialist in VA loans and refinances, with a focus on saving borrowers money. He's closed over 300 loans and maintains a 97% approval rate.
When not closing loans, John enjoys mentoring first-time homebuyers and building genuine relationships with realtor partners.
Specialties
VA Loans
Specialist in VA loans with no down payment and best rates
50+ loans closed
Refinances
Cash-out and rate & term refinances with appraisal waiver expertise
120+ loans closed
Conventional
Purchase and refinance with down payment assistance programs
150+ loans closed
Investment
Rental property and fix & flip loans with portfolio options
30+ loans closed
Recent Closings
Sarah M.
"John made our purchase process incredibly smooth. He explained every step, didn't pressure us, and got us a rate we were thrilled with. Closed in 11 days!"
Purchase • $425,000 • Dec 2025
Michael K.
"Fastest VA refi I've seen. John kept everything simple, and my realtor was impressed with his professionalism. Already saving $200/month!"
Refinance • $380,000 • Nov 2025
Jessica T.
"John helped us with our investment property. He knows portfolio loans inside & out. Closed in 14 days with zero surprises. Highly recommend!"
Investment • $550,000 • Oct 2025
Frequently Asked Questions
What's your lending process timeline?▼
For a purchase, we typically take 10-14 days from application to funding. Refinances can be faster—7-10 days. But it depends on the appraisal and your docs. I'll be transparent about the timeline up front.
Do you do FHA/VA/USDA loans?▼
Yes to all three. I'm a VA specialist, but I handle FHA and USDA regularly. Each has different rules, and I make sure you understand them.
What if my credit isn't perfect?▼
Don't worry. I've helped borrowers with credit scores in the 600s. There are loan products for different situations. Let's talk about your situation.
Can I lock in my rate?▼
Absolutely. Once you see a rate you like in our widget, we can lock it for 30-45 days (depending on loan type). No credit hit to lock.