John Callahan, Mortgage Loan Originator, NMLS #400940

11/01/2026

Pre-qualified and pre-approved sound similar, but they serve different purposes. A pre-qualification is based on information you provide, while a pre-approval includes a review of your income, assets, and credit. If you're planning to start house hunting, a pre-approval can help you shop with confidence and show sellers you're serious.

10/31/2026

Happy Halloween! Wishing you and your family a fun and safe night of trick or treating. While you're out and about tonight, here's a fun one to consider: ould you buy a house with a "friendly ghost" next door? Turns out quiet neighbors have their perks. If you're hunting for your own (haunted or not) dream home, I'm here to help make the process a treat, not a trick.

10/30/2026

The Federal Reserve held policy rates steady at its October meeting. While the Fed acknowledged continued economic resilience, a stable labor market, and ongoing inflation concerns, mortgage rates are influenced by many factors beyond the Fed's decisions.

If you've been waiting for rates to change, it's important to remember that market conditions can shift quickly. Rather than trying to time the market, consider whether buying now makes sense for your individual goals and budget.

Read this month's market update on my website to learn more.

10/29/2026

Don’t forget to fall back this weekend! Daylight saving time ends in most areas Sunday, November 1. Turn clocks back one hour before bed Saturday night and enjoy the extra hour!

10/28/2026

Did you know a mortgage payment typically includes more than principal and interest? Property taxes, homeowner's insurance, and in some cases mortgage insurance may also be included.

10/26/2026

October is National Financial Planning Month, making it the perfect time to review your retirement goals and financial future. From understanding retirement income sources to evaluating housing costs and debt, a few simple planning steps today can help you feel more prepared for tomorrow.

10/23/2026

5.0 star review received on Experience.com for John Callahan by Lucas J J - We had a great experience having John Callahan as our loan officer. He was awesome to work with. He helped us with our pre approval process all the way up to closing. John was very knowledgeable. He explained all of our options to us in detail. He was always available to answer questions whenever we had them. We felt that he cared about us and had our best interests in mind. Overall, we couldn't be happier and would recommend John and Granite Bank to anyone! Thanks so much John!

Read more: https://experience.com/reviews/john-callahan-448288/307030c7-4fc6-42e6-8bf0-97ceaeb943af?V=1792778923&utm_source=facebook&utm_medium=autopost&utm_content=13776063

10/23/2026

Mortgage rates held steady during the week ending October 23, 2026, despite rising oil prices and continued volatility in the bond market. Granite Bank is an Equal Housing Lender.

Markets in a Minute

10/21/2026

Whether you're perfecting your porch décor, hosting football watch parties, enjoying cozy nights by the fire, or keeping up with seasonal maintenance, there's no place like home this time of year.

Which fall homeowner are you?

10/19/2026

Purchasing a higher-priced home may require financing beyond conforming loan limits. Jumbo loans offer financing solutions for qualified buyers looking at luxury or high-value properties.