Nate Johnson - Guild Mortgage

05/01/2026

Closing day is always a time I look forward to, but it’s even better when your clients are also your friends! Congrats on your new home!

04/28/2026

🏡 Let’s Talk About the Market (Without the Boring Stuff 😄)
The housing market right now is kind of like leg day at the gym 💪… Challenging? Yes.
Pointless? Definitely not.
✅ Buyers: You have more options, less chaos, and actual time to think (remember that?!).
✅ Sellers: Serious buyers are still out there — and the right strategy matters more than ever. (Need a great realtor? I know a few)
✅ Everyone: Creative financing + good guidance = opportunities most people miss.
Waiting for the “perfect” market is like waiting for traffic to disappear forever 🚦🚫

The winners are the ones who understand TODAY’s rules and play the game smart.
If you’re curious what this market means specifically for you, my DMs are always open.

04/28/2026

🏡 Let’s Talk About the Market

The housing market right now is kind of like leg day at the gym 💪…
Challenging? Yes.
Pointless? Definitely not.
✅ Buyers: You have more options, less chaos, and actual time to think (remember that?!).
✅ Sellers: Serious buyers are still out there — and the right strategy matters more than ever. (Need a great realtor? I know a few)
✅ Everyone: Creative financing + good guidance = opportunities most people miss.
Waiting for the “perfect” market is like waiting for traffic to go away 🚦🚫

If you’re curious what this market means specifically for you, my DMs are always open.

04/27/2026

I've come to find out that many within my network didn't know that we can help them with their out of state mortgage needs.
(Excluding NY)

Well... now you know. If you are looking to buy a home anywhere in the US or looking to refinance...we'd love to help.

Send me a message if you have questions or if you have someone that's ready to make the move.

04/01/2026

🏡 First‑Time Homebuyer? You’ve Got Options — Even If You Don’t Have a Down Payment

Thinking about buying your first home but worried about the upfront costs? You might be surprised how many programs are available to help first‑time buyers with down‑payment assistance, closing‑cost support, and even special options for new construction.

Here are a few highlights:
🔹 Low‑down‑payment loan options
Many first‑time buyer programs allow down payments as low as 3%–3.5%, depending on the loan type, and are designed for buyers with credit scores starting around 620–660.

🔹 Down Payment Assistance (DPA)
Some programs offer 4–6% of the loan amount to help cover your down payment and closing costs — often enough to get you into a home with minimal cash out‑of‑pocket.

💡 Quick tip: Many first‑time buyers are shocked to learn they may be able to buy with less than $1,000 out of pocket when assistance is combined with low‑down‑payment loan options.

Message me if you'd like more info.

03/19/2026

Join me next Tuesday for a value‑packed Real Estate Essentials workshop where we’ll break down:
📊 Current Market Trends
What’s really happening right now and how it affects your buying or selling power.
💡 What’s Working in Today’s Economy
Smart strategies people are using to navigate rates, low inventory, and shifting demand.
🏠 Down Payment Assistance & First‑Time Homebuyer Options
There are more resources out there than most people realize — let’s make sure you know about them!
📈 Investment Strategies That Make Sense Right Now
Whether you’re eyeing your first rental or building a portfolio, I’ll show you what opportunities are actually performing.
This class is free, full of actionable info, and perfect for anyone wanting to make smarter real estate moves in 2026.
👉 Comment “INVITE” or shoot me a message and I’ll save you a seat!
Can’t wait to see you there!

02/14/2026

Is now a good time to refinance? 🤔
The answer: it depends on your situation — not just today’s rate, even though rates are healthy compared to where they’ve been over the last couple of years.
A refinance can make sense if it helps you:

⬇️Lower your monthly payment
🤑Pay off high‑interest debt
✅ Shorten your loan term
🚫Get rid of PMI
💰Access equity for the right reasons
🔐Get into a fixed rate

02/14/2026

02/12/2026

🏡 Want to buy a home but don't think you qualify?

Here are some of the most common worries I hear from buyers… and how we can overcome them ⬇️

1️⃣ “I don’t have enough money for a down payment.”
Great news—you don’t need 20% down.
There are programs that allow 3–5% down, and I even have access to zero‑down options for qualified buyers.
You might be much closer than you think.

2️⃣ “My credit isn’t good enough.”
Many buyers are surprised to learn that some loan programs allow for credit scores in the high 500s to low 600s.
And if you're not there yet?
We can create a simple, step‑by‑step plan to help you get mortgage‑ready.

3️⃣ “I’m self‑employed or commission‑based… my tax returns make it look like I don’t make enough.”
No problem.
There are loan programs that don’t rely on tax returns and instead look at alternative documentation, making homeownership possible even for non‑traditional earners.

4️⃣ “I can’t afford a home.”
Have you heard of house hacking?
It’s a powerful strategy where you use rental income (from a basement apartment or ADU) to offset your mortgage—sometimes dramatically.
This can turn “I can’t afford it” into “I can do this!”

✨ Bottom line:
There are more paths to homeownership than most people realize—and my job is to help you find the one that fits your situation.
If you’re curious what you qualify for or just want to explore your options, message me anytime.
No pressure. No sales pitch. Just education and practical guidance.
🏡 Let’s turn the dream of home ownership from “someday” into “today"

02/07/2026

5 Mortgage Myths That Still Exist Today🔥🏡

Myth #1: “You need 20% down.”
Nope. Most buyers put 3–5% down, and some loan programs require 0% down. Don’t let this myth delay your homeownership goals.

Myth #2: “Pre‑qualification = Pre‑approval.”
Not even close.
Pre‑approval is stronger, verified, and what sellers actually care about. It includes reviewing documents, verifing income and pulling credit.

Myth #3: “Pay off all your debt before buying.”
Not always! You can often qualify with existing debt. Sometimes keeping cash in the bank is smarter than paying everything off.

Myth #4: “You need great credit to qualify.”
Not true! You do not need an 700-800 score to buy a home.
Many programs allow scores in the 600s — some even lower.

Myth #5: “All lenders approve loans the same way.”
Every lender has different products, guidelines, and flexibility. A “no” somewhere else doesn’t always mean a no with me. I have access to over 700 loan options and recently helped a borrower get approved who was denied by 3 other lenders.

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🏡 Thinking about buying?
I love helping first‑time homebuyers cut through the noise, understand their options, and get into a home with confidence.

01/27/2026

5.0 star review received on Experience.com for Nate Johnson by Russ S - I highly recommend Nate Johnson. He is a person of exceptional integrity, discipline, and reliability. Nate is exactly who you want guiding you through one of the most important financial decisions of your life.
What stands out about Nate is not just what he knows, but who he is. He is well educated in his field and takes his responsibility seriously. Mortgage lending requires precision, awareness, and follow-through, and Nate brings all three. He understands that behind every loan is a family, a future, and a significant investment.
I have personally observed how Nate leads both his professional and personal life. He operates with intention, structure, and a clear commitment to excellence. He does not cut corners, and he approaches his work with focus and care. He is proactive, detail-oriented, and steady from start to finish.
Nate is a man of strong character and proven capability. He does what he says he will do, communicates clearly, and takes ownership. In an industry where stress, deadlines, and unexpected complications can derail a loan, Nate remains calm, solutions-focused, and professional. He works through challenges instead of around them, giving his clients confidence and peace of mind.
Trust is everything when dealing with major assets and long-term financial commitments, and Nate is someone you can trust. His combination of competence and character is rare, and it makes a meaningful difference in the experience of working with him.
When you work with Nate, you are getting someone who pays attention to the details, anticipates issues before they become problems, and takes pride in doing things the right way. You can move forward with confidence knowing you are in the hands of a disciplined professional fully committed to excellent service.
You are in very good hands with Nate Johnson!

Click to see all 14 reviews of Guild Mortgage - Nate Johnson, Loan Officer | NMLS # 2696538