Johanns Mortgage Group

03/16/2026

Home affordability is improving and that’s big news for buyers. 📉

Rising incomes, slower home price growth, and lower mortgage rates are helping make homeownership more attainable. In fact, households are now spending about 27.8% of their income on mortgage payments — the lowest level since 2022. 🏡 If you’ve been waiting for the right moment to buy, this shift in housing affordability and mortgage rates could open new opportunities. ✨ Let’s talk about your options and create a plan for homeownership.

03/12/2026

Did you know you may be able to use your Closing Disclosure for tax purposes? 🧾 Don’t let tax season catch you off guard. As your mortgage lender, I’m here to help you stay organized and informed every step of the way. Need a copy? I’ve got you covered.

03/11/2026

Thinking about buying your first home this spring? 🌷 The mortgage process is simpler when you have the right guidance from credit prep to closing day. As your lender, I’m here to walk you through every step so you feel confident and ready to buy. 🏡✨
Ready to start your homebuying journey? Let’s connect!

03/11/2026

Want to compete like a cash buyer in today’s market? 💰 With the NAF Cash program, you can make an all-cash offer, move quickly, and finance the home after closing. That means stronger offers and less stress in competitive markets. 🏡

Curious how it works? Let’s connect and see if NAF Cash could help you win your next home.

03/05/2026

The journey from house hunting to homeowner includes several financial milestones, and earnest money is one of them. 🏡✨ After you get preapproved, find the right home, and sign a purchase agreement, you’ll typically deposit earnest money into an escrow account. This demonstrates your serious intent to complete the purchase while the final details of your mortgage loan are being processed.

Earnest money helps strengthen your offer and shows professionalism in competitive markets. Most importantly, it usually goes toward your closing costs or down payment at closing, making it part of your overall home investment — not an added expense.

Homeownership is a major financial step, and education makes all the difference. If you’re ready to explore your buying power and understand what to expect, I’m here to guide you every step of the way. 📲💙

03/04/2026

Refinance applications are soaring! 📈 Did you know that during the week ending February 13th, refinance applications were up 132% compared to last year? This spike shows that homeowners are actively taking advantage of opportunities to save on their monthly payments, lower interest rates, or even access home equity for big life goals.

Refinancing isn’t just about reducing your rate, it’s about creating financial flexibility and giving your home more value in your life. 🏡✨ Whether you’re looking to reduce your monthly mortgage, pay off debt, or invest in renovations, now is a smart time to explore your options.

💡 Tip: Even a small reduction in your interest rate can save you thousands over the life of your loan! 🔗 Ready to see what refinancing can do for you? Let’s chat and explore your options today!

03/04/2026

5.0 star review received on Experience.com for Jane Johanns by Michael G - Jane was excellent!

Click to see all 443 reviews of New American Funding - Jane Johanns, Loan Consultant | NMLS # 269715

03/03/2026

Spring home buying season is heating up 🌷🏡 If you want to stand out in today’s competitive real estate market, it starts with a strong mortgage pre-approval and a smart offer strategy. Understanding the seller’s motivation and knowing when to use tools like an escalation clause can give you a serious edge. Preparation wins homes. Ready to see what your buying power looks like? Let’s talk. 💬✨

02/25/2026

Wondering how much house you can afford? Your annual income plays a big role in determining your monthly mortgage payment. For example, a $50,000 income may support around a $1,167 monthly payment, while $100,000 could mean about $2,333 per month. At New American Funding, we help you understand your buying power and create a smart path to homeownership. Ready to see what you qualify for? Let’s make it happen 🏡✨

02/24/2026

Your Loan-to-Value ratio (LTV) isn’t just a mortgage term — it’s directly connected to how quickly you build equity in your home.

Equity = the difference between your home’s value and what you owe.

When your LTV is lower at the start, you begin with more equity. As you make payments and your home appreciates, your LTV decreases and your ownership stake grows.

This is why understanding LTV is such an important part of financial planning:

✔️ It affects loan pricing

✔️ It influences mortgage insurance

✔️ It impacts refinancing opportunities

✔️ It plays a role in long-term wealth building

Homeownership is more than a monthly payment — it’s a strategy for stability and future growth. If you’re curious how much down payment you really need — or how your LTV impacts your buying power — let’s connect. I’m here to educate and guide you every step of the way. 📲✨

02/19/2026

2026 is shaping up to be a healthier housing market 📈 According to Danielle Hale at Realtor.com, lower mortgage rates + rising inventory could bring a modest but meaningful shift toward balance. Opportunity is building — preparation is power. 💙 Ready to explore your options? DM me!