John Baranowski Mortgage Advisor NMLS# 26785

11/21/2025

05/20/2024

Another satisfied client with a 5 Star review. If you are looking to purchase a home or refiance to pull the equity out call/text me 516-287-8355

05/20/2024

5.0 star review received on Experience.com for John Baranowski by Shaun P - John, Brie and team were great to work with. They were efficient and great communicators. I would definitely work with them again.

Click to see all 6 reviews of John Baranowski, NorthGroup Mortgage Region

04/06/2024

5.0 star review received on Experience.com for John Baranowski by Ebony S - John was efficient in making sure the loan process was easy for my client. He communicated with my client and answered all questions and addressed the concerns my client had in a timely manner.

Click to see all 5 reviews of John Baranowski, NorthGroup Mortgage Region

04/03/2024

5.0 star review received on Experience.com for John Baranowski by Isaac B - Mr. John did amazing job gave great understanding in every step in detail of the closing procedure very straightforward very wise about his profession that he said, I want to say thank him great man if you want the job done with honesty, I have to say Mr. John is that guy and if I may add he’s also a teacher and the mist of his business of closing the deal. Thanks a lot, Mr. John and your team Miss Bree as well is the realtor Miss Scott be blessed my friend.

Click to see all 5 reviews of John Baranowski, NorthGroup Mortgage Region

03/18/2024

5.0 star review received on Experience.com for John Baranowski by Melissa K - John got it done! He was able to get my clients pre approved easily so they didn’t miss out of the home they were looking at. He worked diligently every step of the way for a quick close!

Click to see all 4 reviews of John Baranowski, NorthGroup Mortgage Region

02/07/2024

Congratulations to my client who is also a Homes for Heroes recipient. Good luck in all your future endeavors.

01/16/2024

⚠️⚠️⚠️Proceed with CAUTION⚠️⚠️⚠️
You will begin seeing posts about mortgage interest rates finally coming down. I'll spare you the reasons why they are coming down, however, here's why you need to be careful.

If you do not own a home 🏡 jump to #4.
1 - You may (will) start receiving phone calls, emails, texts, DM's about refinancing. Many from lenders you don't know and who are simply trying to make a "sale". It's been a slow year, so many are getting aggressive. Just talk to your loan officer, or one you know you can trust who won't steer you wrong.

2 - Is it too soon? Did you just buy a home? If you did and you paid to buy down your interest rate, that buy-down will be money lost. An analysis should be done to see if you are financially coming out ahead.

3 - If you closed on your loan within the last 6 months, please talk to the loan officer that did your loan. Loan officers can be heavily penalized (they pay back everything they made when they did your loan and often more) if you pay off your loan too soon. Usually about 6 months. This is never discussed but it's a reality that loan officers live with and can be devastating to them. If you ARE going to refinance, give them the courtesy and the opportunity to discuss your situation. And it gives them the chance to break even. They will get paid on the refinance, but that will all be paid back on the loan you are paying off in a penalty to them (not you). Totally not fair, but that's the mortgage world.

4 - Will interest rates fall further? Probably. Will we see 3% again? No. But rates will likely continue to rise and fall, with a downward slope likely for at least a little while. Of course, there are no guarantees where they will settle in.

5 - And finally, for those buying a home - don't stay on the fence. If you can afford the payment, just jump off that fence. When the weather warms up and if interest rates are still down, the competition will heat up. And that's just no fun.

If you have questions, please reach out to me. I'll make sure you have the right information to move forward... or to wait.

We are happy to give you a honest and free opinion reach out to us at [email protected] or call/text (516)287-8355📞

03/11/2023

When your little girl wants to do make up and mommy’s hard at work. How do you say no .

01/24/2023

All the basic steps to buying a home.