John Hunter at Rate NMLS 76887

John Hunter at Rate NMLS 76887 John Hunter, NMLS 76887
SVP of Mortgage Lending at Rate (operating as Guaranteed Rate, Inc. in New York state) NMLS 2611.

06/01/2026

June is National Homeownership Month and the equity you’ve built in your home is just one more thing to celebrate. It could be used to build your financial security or to invest in the big plans you’ve been thinking about. The next step? Putting those plans into action.

Reach out, I'll be happy to show you how: http://ms.spr.ly/6186vbkDm

Homeowners insurance companies in 2026 are shaking people down or just ghosting you like a bad tinder date:“We saw a thu...
05/28/2026

Homeowners insurance companies in 2026 are shaking people down or just ghosting you like a bad tinder date:

“We saw a thunderstorm on the other side of the country… so your premium is going up $1,000.” 😅

Here’s the reality behind the rise in homeowner's insurance costs:

🌪️ More frequent and severe weather and fire events are increasing claim payouts
🏗️ Higher rebuilding costs (materials + labor are still expensive)
📈 Inflation is pushing up repair and replacement costs across the board
🛡️ Reinsurance costs (insurance for insurance companies) have jumped
⚖️ More complex claims + litigation + governmental red tape = higher overall risk priced into premiums

Ask anyone who lives in the Palisades how there rebuilding is going if you want an example of governmental red tape. 🤬

So basically… everything that makes rebuilding a home more expensive is now baked into your monthly bill.

And the result? Homeowners everywhere opening escrow statements like:
“Wait…is my insurance or a second mortgage?” 😬

And here’s the part nobody likes talking about: for some homeowners, it’s not even just higher premiums… policies are getting non-renewed or canceled altogether in certain areas because the insurance companies are 'noping out' of covering large regions of the country. That’s a real problem is areas of that have had fires or bad weather. Ask anyone in Spokane or LA!

The tough part is you can’t control insurance companies or weather patterns.

But you can control the rest of your monthly debt picture.🤑

A refinance may help:
🏡 Lower your interest rate
💳 Consolidate high-interest debt
📉 Reduce or eliminate mortgage insurance
💰 Lower your total monthly payment so rising insurance doesn’t hit as hard

Because if insurance is going to keep climbing… your mortgage payment doesn’t have to join it.

If you want to see whether refinancing can help bring your total monthly payments back down, let’s run the numbers.

Call the guy who knows a guy. AKA me!

John Hunter at Rate NMLS 76887
(206) 856-4685

05/28/2026

Underwriting sounds technical, but it’s really just a final review before approval. This is where lenders confirm your financial details and the property all align. Knowing that ahead of time removes a lot of stress. If you’re unsure what to expect, I’ll walk you through it.

Learn more: http://ms.spr.ly/6187vZKlX

05/27/2026

Finding the right home starts with knowing what fits your life. Once that’s clear, everything else moves faster. I’ll help you turn that into a plan you can act on.

Explore your options: http://ms.spr.ly/6183vkW6N

05/25/2026

This Memorial Day, we honor those who gave their lives in service. Their sacrifice is not forgotten.

05/21/2026

If you’re a Veteran, active-duty military or surviving spouse, your VA benefit could make homeownership much easier. Rate’s VA Construction to Perm loan could help you build a new home with less out of pocket and a lot less hassle. Let’s use your VA benefit to start building your brand new home.

Learn more: http://ms.spr.ly/6182vVuyi

Let’s talk timing. Rising home prices and relatively low inventory could affect the math on when it’s the right time to ...
05/19/2026

Let’s talk timing. Rising home prices and relatively low inventory could affect the math on when it’s the right time to buy. If you’ve got a house in mind, let’s chat about how to use the market in your favor.

Learn more: http://ms.spr.ly/6181vp3Gl

Where were you when Mount St. Helens erupted on May 18, 1980? 🌋I remember it was a Sunday morning. I was 10 years old an...
05/18/2026

Where were you when Mount St. Helens erupted on May 18, 1980? 🌋

I remember it was a Sunday morning. I was 10 years old and thought it was cool! 😳

If you remember it as well, congratulations you are old too!

Some people were at home watching the news…
Some were outside wondering why the sky suddenly looked like nighttime at noon…
And dads everywhere were standing in the driveway saying:
“Probably nothing.” 😂

Meanwhile Mount St. Helens was out here launching ash across multiple states like:
“Y’ALL GONNA REMEMBER ME TODAY.” 💥

If you lived in the Northwest, you probably remember cars covered in ash, everyone wearing masks before it was trendy, and at least one neighbor saving volcanic ash in a coffee can for absolutely no reason.

And somehow every school kid still hoped:
“Maybe the ash means school gets canceled tomorrow.” 🤞

Here are 6 facts about the 1980 eruption of Mount St. Helens:

1. The May 18, 1980, eruption triggered the largest landslide ever recorded on Earth (see photo).
2. The eruption’s sideways blast flattened forests and traveled at hundreds of miles per hour (see photo).
3. The eruption killed 57 people and caused over $1 billion in damage.
4. Ash spread across multiple states, turning daytime skies dark in some places.
5. The explosion was estimated to be 1,600 times more powerful than the Hiroshima atomic bomb.
6. The eruption reshaped the mountain and eventually created the world’s youngest glacier inside the crater.

Drop where you were when it happened… or a vivid memory of that day or a story you were told. 👇

Fun fact: Mortgage rates in May of 1980 were averaging about 13% 😳🏡

So, when people today complain about rates in the 5’s and 6’s… somewhere a Boomer is laughing while making coffee in a house they bought for $60,000 that year (average price in Washington in 1980). 😂

If you're thinking about buying or are just curious what it would take to buy in today's market. Call a guy who knows a guy. AKA me!

John Hunter,
SVP of Mortgage Lending at Rate
NMLS 76887
(206) 856-4685
[email protected]

05/18/2026

Spring is when the right home shows up, and when buyers need to be ready. Same Day Mortgage levels the playing field, giving everyone the big advantage cash buyers enjoy: speed. I’ll help you get everything lined up early so when you find it, you can close with confidence. Stay in motion this season.

Let's connect: http://ms.spr.ly/6182vTTL0

05/14/2026

Fast, simple and designed for Veterans, a VA Interest Rate Reduction Refinance Loan (IRRRL) could help you refi in just days, while lowering your interest rate and skipping extra paperwork.

Connect with me to learn more: http://ms.spr.ly/6189vRHzS

Address

3940 North Ravenswood
Chicago, IL
60613

Alerts

Be the first to know and let us send you an email when John Hunter at Rate NMLS 76887 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to John Hunter at Rate NMLS 76887:

Featured

Share

Category