Ryan Johnston Home Loans

Ryan Johnston Home Loans Ryan Johnston-Mortgage Banker
NMLS # 2173563
Licensed in NC/SC
Atlantic Bay Mortgage Group NMLS 72043
www.nmlsconsumeraccess.org
Equal Opportunity Lender

The Right Strategy Matters!With affordability continuing to be a challenge for most, making the right offer is crucial. ...
07/11/2025

The Right Strategy Matters!

With affordability continuing to be a challenge for most, making the right offer is crucial. Here's a scenario for you...........

Home is listed for $475k and has been on the market for a while. It appears there may be an opportunity to negotiate with the seller. 9 times out of 10, a lower price is offered, but is that the "best" approach?

👉 Buyer 1 negotiates the price down by $10,000.
✅ Saves about $60/month on their mortgage.
💭 That’s one less trip to Chick-fil-A.

👉 Buyer 2 offers full price but asks for a $10,000 seller credit instead.

✅ Uses that credit to buy down the interest rate.
💥 Now they’re saving $210/month.
💇‍♀️ Wifey’s getting her hair done a few more times a year.
🏌️ Dad’s squeezing in a few more golf rounds.
💰 Everyone’s winning — including the seller and listing agent.

p.s. It would take a price reduction of close to $35k to equal the same monthly savings provide with option 2!

📌If you are a listing agent with a stagnant listing, let me know. We can help market this strategy for your listing.

📌If you are a buyer and want to learn more, let me know. We can provide a custom home buying strategy for you!

5.0 star review received on Experience.com for Ryan Johnston by Bradley S - Ryan  was  extremely knowledgeable and  pati...
06/08/2025

5.0 star review received on Experience.com for Ryan Johnston by Bradley S - Ryan was extremely knowledgeable and patient as we navigated the home buying proces. Through detailed emails, instructional videos, and calls, he was able to keep us informed and competitive in the market. He and his team were able to execute a quick close and ultimately help us land our forever home. Ryan was a great asset to have on our side while we looked for our home, and will be first of mind when offering recommendations to friends.

Click to see all 46 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

5.0 star review received on Experience.com for Ryan Johnston by Alisha S - Ryan and his team were wonderful to work with...
03/20/2025

5.0 star review received on Experience.com for Ryan Johnston by Alisha S - Ryan and his team were wonderful to work with. They made the entire process easy to manage, even from 1,600 miles away. This was our first home purchase and Ryan took the time to answer all of our questions and explain everything to us. I’m thankful Ryan was recommended to us and I will definitely recommend Ryan to everyone in the future. Thank you Ryan and team!

Click to see all 45 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

5.0 star review received on Experience.com for Ryan Johnston by Lance S - Ryan,  you  were  fantastic to  work with  ext...
03/06/2025

5.0 star review received on Experience.com for Ryan Johnston by Lance S - Ryan, you were fantastic to work with extremely communicative, competent, caring, and well versed. We would work with you again in a heartbeat!

Click to see all 44 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

5.0 star review received on Experience.com for Ryan Johnston by Jordan S - thank  you  for  such  an  EASY  process! its...
02/06/2025

5.0 star review received on Experience.com for Ryan Johnston by Jordan S - thank you for such an EASY process! its not lost on me how much time you spent educating us on options to ensure we made an informed decision on whether or not to buy down our rate. you are amazing!

Click to see all 43 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

5.0 star review received on Experience.com for Ryan Johnston by Raju M - I have worked with Ryan since 2023 when we firs...
12/12/2024

5.0 star review received on Experience.com for Ryan Johnston by Raju M - I have worked with Ryan since 2023 when we first bought our house. We had no idea of the process of buying a home but Ryan was there to walk us through every step. Always available to answer questions when we needed it. He made sure that what we needed was in our best financial interest. Since we refinanced the same home we worked with him again and it was the same. The process this time was a bit more challenging due to unforseen circumstances but Ryan definitely made the process as smooth as possible. Always available to communicate with us in the process. Thank you Ryan.

Click to see all 42 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

5.0 star review received on Experience.com for Ryan Johnston by Marsha W - Ryan  took  the  time  to  help  me  understa...
11/18/2024

5.0 star review received on Experience.com for Ryan Johnston by Marsha W - Ryan took the time to help me understand the processes since they are considerably different from my last home mortgage experience. Ryan was attentive and considerate of questions along the way. The relationship was friendly all along the professional process.

Click to see all 41 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

5.0 star review received on Experience.com for Ryan Johnston by Clement M - Ryan is the best in the business. He is hone...
11/13/2024

5.0 star review received on Experience.com for Ryan Johnston by Clement M - Ryan is the best in the business. He is honest and delivers exceptional service from day zero to the final closing day. He finds workable solutions to complex problems. I loved working with him and I look forward to working with him again. Best in the business, period!

Click to see all 40 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

5.0 star review received on Experience.com for Ryan Johnston by Kevin M - Thanks so much, glad to work with you
09/28/2024

5.0 star review received on Experience.com for Ryan Johnston by Kevin M - Thanks so much, glad to work with you

Click to see all 39 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

5.0 star review received on Experience.com for Ryan Johnston by Eric D - We closed 2 weeks prior to my wife giving birth...
09/20/2024

5.0 star review received on Experience.com for Ryan Johnston by Eric D - We closed 2 weeks prior to my wife giving birth to our second child and Ryan understood we were on a time crunch and he delivered! Ryan was patient and guided us the whole way.

Click to see all 38 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

5.0 star review received on Experience.com for Ryan Johnston by Amanda S - Ryan was excellent, working closely with our ...
08/24/2024

5.0 star review received on Experience.com for Ryan Johnston by Amanda S - Ryan was excellent, working closely with our realtor and the closing agents, he explained everything clearly and we would choose him again, anytime.

Click to see all 37 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

5.0 star review received on Experience.com for Ryan Johnston by Jennifer R - Thanks for all your help Ryan and sticking ...
06/17/2024

5.0 star review received on Experience.com for Ryan Johnston by Jennifer R - Thanks for all your help Ryan and sticking through with us as the market moved up and down over the course of two years almost, it was a smooth process!

Click to see all 36 reviews of Ryan Johnston, Ryan Johnston | NMLS #2173563

Address

3430 Toringdon Way
Charlotte, NC
28277

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