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Jeffrey Johnson - Mortgage Loan Officer NMLS# 829709

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United States
Columbia, SC
Jeffrey Johnson - Mortgage Loan Officer NMLS# 829709

For over a decade, I’ve helped families navigate one of life’s biggest financial decisions.

Based in SC, I serve families statewide with mortgage solutions tailored to your unique situation.

10/29/2026

Think the 30 percent rule is out of reach? You're not bad with money. Home prices and rates have climbed faster than many paychecks, so the math feels harder than it should. Here's the approach I walk clients through: start with a monthly payment you can comfortably live with, then work backwards to see what loan that supports at today's rate. A bigger down payment can lower it too. Also, lenders often qualify you based on gross income, the pay before taxes, so they may approve more than you should comfortably carry. Know your own limit, not just the approval number. Save this for your next budget check, and send me a message if you'd like to run your numbers together. 🏡

Jeffrey Johnson · NMLS #829709
Empire Home Loans · NMLS #1839243
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License -95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information.
The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice.
Empire Home Loans, Inc., supports Equal Housing Opportunity.

10/29/2026

Real talk from your lender partner. 💬

Information is leverage in a negotiation. Pro Search gives you a full profile on any agent or lender, right on your dashboard.

Your win is my win. DM me.

Jeffrey Johnson · NMLS #829709
Empire Home Loans · NMLS #1839243
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License -95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information.
The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice.
Empire Home Loans, Inc., supports Equal Housing Opportunity.

10/27/2026

First-time buyers, if the monthly payment you were quoted is only principal and interest, closing day may catch you off guard. That number usually leaves out three costs you'll pay every month.

First, property taxes. Ask what taxes are on this specific house, not what the seller paid.

Second, homeowners insurance. Your lender will require it, and the premium depends on the home and where it's located. Get a real quote before you make an offer.

Third, HOA fees, if there's an association. They can run a few hundred dollars a month and don't always appear in the listing.

Add taxes, insurance, and HOA dues to the quoted payment to see your real monthly cost. Better to know now than after you've fallen for the kitchen. 🏠 Comment "PAYMENT" and I'll send you a worksheet to add it all up.

Jeffrey Johnson · NMLS #829709
Empire Home Loans · NMLS #1839243
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License -95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information.
The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice.
Empire Home Loans, Inc., supports Equal Housing Opportunity.

10/27/2026

Tools are step one. Knowing how to use them is step two. 🎓

That's why my realtor partners get Academy: short, searchable training videos for every tool I share.

Let's get you set up.

Jeffrey Johnson · NMLS #829709
Empire Home Loans · NMLS #1839243
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License -95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information.
The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice.
Empire Home Loans, Inc., supports Equal Housing Opportunity.

10/24/2026

Mortgage rates improved this week, but it was a bumpy ride.

Mortgage bonds finished roughly 41 basis points higher, driven by investors seeking safety during Thursday's tech selloff rather than cooler inflation. Top-tier 30-year fixed rates were near 7.33% in Friday's commentary. Housing demand softened, with starts disappointing and pending sales and purchase applications declining. A signed executive order targets mortgage costs, and foreclosure auctions rose 25% over the past year.

For anyone buying, selling or refinancing, the better pricing is real but fragile, with the Fed announcement Wednesday and Core PCE and GDP Thursday still ahead.

Questions about your plans? Message me.

Jeffrey Johnson · NMLS #829709
Empire Home Loans · NMLS #1839243
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License -95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information.
The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice.
Empire Home Loans, Inc., supports Equal Housing Opportunity.

10/22/2026

Your time is best spent winning listings. 🏆

That's why my realtor partners get Full CMA: branded, presentation-ready CMAs from an address or MLS #.

Let's partner.

Jeffrey Johnson · NMLS #829709
Empire Home Loans · NMLS #1839243
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License -95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information.
The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice.
Empire Home Loans, Inc., supports Equal Housing Opportunity.

10/21/2026

Rates were a mixed bag today, with the average 30-year fixed sitting at 7.40%.

Here's what moved. Mortgage bonds, the investments that loan rates are tied to, finished the day higher, and when bonds go up, rates tend to ease. Two things helped. A report showed new home construction running at a 1.22 million annual pace, below what was expected, and investors kept moving money into safer government-backed investments. The 10-year Treasury yield slipped to 5.11% from 5.14%.

In everyday terms, it depends on the loan type. The conforming 30-year was 7.28%, down 0.02 from yesterday. FHA was 7.13%, VA was 6.93% and jumbo was 7.46%, each a little higher than yesterday. The 15-year fixed came in at 6.71%. Pending home sales also fell 7.3% in the latest report, a sign that higher payments are slowing the market down.

Questions about your situation? Send me a message.

Jeffrey Johnson · NMLS #829709
Empire Home Loans · NMLS #1839243
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License -95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information.
The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice.
Empire Home Loans, Inc., supports Equal Housing Opportunity.

10/20/2026

Today's 30-year fixed rate sits at 7.40%, right where it was a week ago.

Under the surface, it was a rougher day. Mortgage bonds, the investments that home loan rates closely follow, fell 23 basis points. When those bonds lose value, rates tend to creep up. There was no big economic report behind it. Tech stocks bounced back, which pulled money away from the safety of bonds, and weekend headlines about Ukraine and the Strait of Hormuz brought back worries about energy costs and inflation.

In everyday terms, the 15-year fixed is at 6.71%, also unchanged from last week. Conforming 30-year loans are at 7.29%, FHA at 7.08%, and VA at 6.90%. With a Fed meeting next week and a quiet calendar until then, headlines and market mood are doing most of the talking.

Questions about your situation? Send me a message.

Jeffrey Johnson · NMLS #829709
Empire Home Loans · NMLS #1839243
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License -95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information.
The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice.
Empire Home Loans, Inc., supports Equal Housing Opportunity.

06/06/2026

You don’t need to tear down your drywall to find extra cash. 🏡

If you own a home in South Carolina, you’ve likely built up a massive amount of equity over the last few years.

Instead of letting it sit trapped in your walls, our 100% digital HELOC lets you tap into it with:
⚡ A 5-minute online application
⏱️ Approvals in days, not weeks
📱 Zero paperwork or bank lines

Use it to wipe out high-interest credit cards, fund a renovation, or keep as an emergency cash cushion.

Want to see how much cash is hiding in your walls?

Comment or DM me the word “EQUITY” and I’ll send you the link to check your numbers instantly. 👇

06/05/2026

Keep your low mortgage rate and get the cash you need 🤫

refinancing your whole house right now doesn’t make sense. Instead, smart homeowners are using a HELOC to fund big moves without touching their first mortgage.

your home equity is a tool. Are you using it?

if you unlock your equity today, what big project would you fund first?

Address

1331 Park Street
Columbia, SC
29201

Website

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