John “The Loan Officer” Dolbec

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United States
Cranston, RI
John “The Loan Officer” Dolbec

We like to set proper expectations with our clients and referral partners to ensure a smooth process. NMLS # 1202107
(1)

Our team of experienced loan officers are dedicated to building lifelong relationships, from the moment you are ready to purchase your first home, to refinancing or upgrading to your dream home, we will be there for you every step of the way. Branch NMLS #305552

NMLS #1202107 | CT -1202107 | MA | RI #1202107

10/14/2026

🥩🏡 If mortgage loan programs were steak temperatures… according to me! 😂

Fun fact: I have over 600 pictures and videos of steak on my phone from over the years. 🤦‍♂️🥩 Apparently, I’ve been documenting my beef more than most people document their children. 😂

So naturally, I figured it was time to combine two things I know pretty well… steaks and mortgages!

🥩 RARE — VA: Bold benefits! 0% down options and no monthly mortgage insurance for eligible borrowers.

🥩 MEDIUM RARE — Conventional: The classic crowd favorite!

🥩 MEDIUM — FHA: A solid choice with flexible credit guidelines.

🥩 MEDIUM WELL — Renovation: Needs a little extra work, but worth the upgrade!

🥩 WELL DONE — Jumbo: Still juicy if you know what you’re doing! 😎

Personally, I like my steaks medium rare and my clients CLEAR TO CLOSE! 🏡🔑

🔥 Now I have TWO questions for you:

👇 How do you like your steak?

🏡 And if you’re thinking about buying, refinancing, or renovating a home, send me a DM! I’ll help you find the right mortgage for your situation. No steak purchase necessary. 😂

John Dolbec | Guild Mortgage
NMLS #1202107

Loan eligibility and terms vary by program.

08/26/2026

🚨 Does Your Credit Score Really Matter? 🚨

There’s a HUGE myth that you need perfect credit to buy a home – but that’s simply NOT true! 🤯

✅ The Reality: Loan options exist for a wide range of credit scores. In fact, many buyers qualify with scores lower than they think!

📊 Did You Know? Only 32% of buyers understand the real credit score requirements!

The key? Working with a lender who understands creative solutions! 🏡💰

Got questions? Call today for more info!

07/22/2026

📢 Rental Income Guidelines You Should Know

✅ You don't have to own a home to buy an investment property.

If you currently rent your primary residence, you may still qualify for a conventional investment property loan.

🚫 Live rent-free?

Projected rental income from the investment property generally can't be used to help you qualify.

🏚️ Recently renovated a rental?

If your property was temporarily out of service due to renovations, current guidelines may allow lenders to calculate rental income based on the time it was actually available for rent instead of assuming it was rented all year.

Every situation is different, and rental income guidelines can be more complex than they seem.

📞 Give me a call to discuss your next purchase or refinance and explore your options!

07/15/2026

📢 FHA does not require you to play favorites with your children!

👉 Did you know that FHA will allow parents to help their adult children purchase a home by acting as a Non-Occupying Co-Borrower?
✅They will also allow you to do this for more than one child, provided the house will be their principal residence.

If you are searching for ways to help your children buy a home, reach out to me to discuss your options!

07/09/2026

June Market Update 📊🏡

June brought more stability to the housing market, with mortgage rates holding within a familiar range and inventory continuing to improve. While active listings are up from last year, overall supply is still below typical levels. More homes are staying on the market a bit longer and price reductions remain common, giving buyers more opportunities while sellers navigate a more balanced market.

Whether you're planning to buy, sell, or refinance, understanding today's market can help you make confident decisions.

👉 Thinking about your next move? Let's connect.

07/08/2026

Many hardworking families believe homeownership is out of reach simply because they use an ITIN instead of a Social Security Number.
But being told “no” doesn’t always mean you don’t have options. 🏡
If you have:
✔ Steady income
✔ Tax returns
✔ Savings for a down payment
You may be closer to buying a home than you think.
PRMI offers ITIN-friendly loan solutions designed to help families take the next step toward homeownership.
📩 DM “ITIN” to explore your options today.

07/07/2026

07/01/2026

When you work with a local lender, you feel the difference. From local expertise and trusted
realtor connections to strong pre-approvals and consistent support from start to finish, you’re
getting a higher-quality homebuying experience every step of the way. 🏡

👉 Follow for local homebuying tips, market insights, and mortgage guidance you can
actually use

06/24/2026

Happy National Homeownership Month! 🏡🔑
If you’ve been waiting for a sign to finally take the first step toward buying your dream home, this is it. Homeownership is closer than you think, and it all starts with just one simple conversation.

🔗 Click the link in our bio to connect and to get started today!

Address

14 Breakneck Hill Road
Cranston, RI
02914

Website

https://branches.guildmortgage.com/ri/lincoln/john-dolbec-522-rgjdol.html

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