Mortgages with John Lanzone

09/06/2026

5.0 star review received on Experience.com for John Lanzone by Patrick D - Great communication , attention to details, and coordination with all parties involved.

Read more: https://experience.com/reviews/john-lanzone-405627/6292880b-7200-4153-977a-ec52f8e1639a?V=1788698661&utm_source=facebook&utm_medium=autopost&utm_content=13596470

08/26/2026

A good advisor shouldn’t just give you more information.

You can find plenty of that online.

The greater value is helping you understand which information matters, how it applies to your situation, and what tradeoffs you should be thinking about.

That’s the idea I explored in this article:

The Scarce Resource Isn’t Information. It’s Clarity.

From Information to Clarity is a new series exploring how better context, better questions, and clearer thinking can lead to better decisions in an age of abundant information. We have access to more information than at any point in history.

08/23/2026

One thing I’ve learned:

Having more information doesn’t necessarily make a decision easier.

Sometimes the real challenge is figuring out:

What actually matters?
What does it mean for me?
What should I do next?

That idea became the starting point for a new series I’m writing called From Information to Clarity.

Here’s the first article:

From Information to Clarity is a new series exploring how better context, better questions, and clearer thinking can lead to better decisions in an age of abundant information. We have access to more information than at any point in history.

08/03/2026

5.0 star review received on Experience.com for John Lanzone by Mark W - Team was patient and understanding

Read more: https://experience.com/reviews/john-lanzone-405627/ea5ab89d-36c0-41d9-b15a-02003008d2b9?V=1785761889&utm_source=facebook&utm_medium=autopost&utm_content=13380502

07/31/2026

07/06/2026

Chasing the wrong goal can cost you, even when you catch it.

That is especially true with mortgages.

The best loan is not always the one with the lowest rate.

Read more here: https://www.linkedin.com/pulse/you-really-overpaying-your-mortgage-john-lanzone-plqoe/

07/03/2026

Mortgage shopping is smart.

Chasing the lowest rate without comparing the full picture is not.

Rate matters.

So do points, fees, credits, and timeline.

More thoughts here: https://www.linkedin.com/pulse/you-really-overpaying-your-mortgage-john-lanzone-plqoe/

07/01/2026

A lower rate can still cost more.

Why?

Because sometimes you pay thousands upfront to get it.

That only helps if you keep the loan long enough for the monthly savings to outweigh the cost.

More here: https://www.linkedin.com/pulse/you-really-overpaying-your-mortgage-john-lanzone-plqoe/

06/30/2026

The word “assumable” gets attention.

But the real story may be rate preservation.

Imagine buying or refinancing into a great mortgage rate, then later going through a divorce and being told the only way to remove the other borrower is to refinance into a much higher rate.

That can turn a manageable payment into an unaffordable one.

Virginia HB 304 may create a different path for certain conventional loans in divorce or annulment situations.

Not a guarantee.

Not automatic.

But possibly a very important planning detail.

In the past, the practical answer to that question has usually been no. At least not in the way most people think about assumable mortgages.