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John Werner- NMLS #150553, Mortgage and Credit Pro, a DBA of Northwest Funding Group, NMLS #101770
WA/OR: 503-550-8842 AZ: 623-363-0734 www.mortgageandcreditpro.com John Werner- Mortgage and Credit Pro a DBA of Northwest Funding Group NMLS #101770 - AZ Dir or Text 623-363-0724 WA-OR Dir or Text 503-550-8842- NMLS MLO #150533

10/16/2026

“How much money do I actually need to buy a home?”

That’s usually where the conversation starts. Then come the credit questions, the payment questions, and “Should I buy now or wait?”

You don’t have to figure all of that out before talking to a lender. Those are exactly the questions we should work through together.

I'm breaking down the six questions I hear from homebuyers all the time, including one that can make a big difference when you’re comparing lenders... "Are you looking at the interest rate, or the full cost of the loan?"

If you’re thinking about buying in Arizona, Oregon, or Washington, reach out. We can look at your situation and walk through the numbers.

Already have a Loan Estimate? I’m happy to help you compare it apples to apples.

What’s your biggest question about buying a home right now?

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Equal Housing Lender | NMLS 150553 | Co NMLS 101770 | Not a commitment to lend. Rates & Terms subject to approval.

10/15/2026

Thinking about refinancing your mortgage? 👀

One thing I tell homeowners all the time: don’t wait for the “perfect” mortgage rate before you start looking at your options.

Rates can move, and there’s no guarantee that waiting will lead to a better opportunity later.

Depending on your current rate, loan balance, monthly payment, and financial goals, even a modest change could make refinancing worth exploring. The best way to know where you stand is to look at the numbers. 📊

If you’ve had your mortgage for a few years, reach out for a free mortgage review.

I’ll look at your current loan and goals, walk you through your refinance options, and help you determine whether making a change could benefit you . 🏡

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Equal Housing Lender | NMLS 150553 | Co NMLS 101770 | Not a commitment to lend. Rates & Terms subject to approval.

10/14/2026

Your friend just bought a house, and now you're comparing their mortgage to yours. 🏡

But here's the thing: Just because you're both buying a home doesn't mean you're getting the same loan.

Your loan terms, monthly payment, closing costs, down payment, loan type, and credit score can all make your mortgage look different from someone else's.

That's why comparing numbers without understanding what's behind them can be misleading.

💬 Message me "𝗖𝗢𝗠𝗣𝗔𝗥𝗘" and let's look at what actually makes sense for YOU.

10/13/2026

Thinking about buying a home this fall? 🍂 Before you start looking at homes, it’s helpful to understand a few basics about the mortgage process.

Here are 3 things to keep in mind:

✔️ Get pre-approved first. A mortgage pre-approval helps you understand your buying power and shows sellers you’re serious.

✔️ The mortgage process doesn’t have to be overwhelming. With the right mortgage professional by your side, you’ll have someone to help explain your options and guide you through each step.

✔️ You don’t necessarily need perfect credit or 20% down. Depending on your situation, there may be mortgage loan options that work with different credit profiles and down payment amounts.

If buying a home is on your fall to-do list, let’s talk! I’m here to help you understand your mortgage options and feel more confident about the homebuying process.

As your local Mortgage Broker in Litchfield Park, I’m happy to be a resource whether you’re just getting started or ready to take the next step. 🏡
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Equal Housing Lender | NMLS 150553 | Co NMLS 101770 | Not a commitment to lend. Rates & Terms subject to approval.

10/12/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟮, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
After moving higher to start the week, mortgage rates got a little better as the week went on, ending just slightly lower than the week before. It wasn't a big improvement, but at least it broke the streak of rates moving higher over the last few weeks.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
There are some early signs that mortgage rates may be done climbing, at least for now. We could still see some ups and downs this week though, especially with inflation data coming out in the middle of the week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• Inflation data: Consumer inflation data comes out Wednesday, followed by wholesale inflation data on Thursday. If inflation is lower than expected, rates could improve a little more, but higher inflation could push them back up.
• Oil: Oil prices will continue to influence mortgage rates this week, although the connection between the two hasn't been quite as strong recently.
• The Fed: The Fed raised its policy rate in September, but markets have recently backed off expectations for another increase in October. This week's inflation reports and comments from Fed officials could change those expectations.

10/10/2026

New 5.0-star Review: "John was wonderful to work with and was great at answering any questions we had and easily reachable."

10/09/2026

I recently worked with a buyer who had spent almost two years waiting for the housing market to crash.

I understand the hesitation. Nobody wants to buy a home and feel like they should have waited.

But when we sat down and looked at their options, they found something they hadn’t expected: more homes to choose from and sellers willing to negotiate.

They were able to work out favorable terms without competing against 20 other offers.

That doesn’t mean buying now makes sense for everyone. If the payment leaves you stretched every month, that matters—regardless of what the market is doing.

It’s why I like to start with your numbers and what’s happening where you want to buy. Those details can tell us a lot more about your next step than a headline can.

If you’ve been waiting, what would need to change for you to feel comfortable moving forward?

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Equal Housing Lender | NMLS 150553 | Co NMLS 101770 | Not a commitment to lend. Rates & Terms subject to approval.

10/09/2026

New 5.0-star Review: "John was awesome to work with, always available when needed and made the process go so smoothly for our clients!"

10/08/2026

💼 Self-employed? A freelancer? Real estate investor? Your income may not fit the traditional mortgage box.

But that doesn’t necessarily mean you can’t qualify!

Non-QM loans offer alternative ways to qualify, including options that may use:
Bank statements
1099 income
Rental property cash flow

These types of mortgage loans can be helpful for borrowers whose income or finances don’t fit traditional lending guidelines.

In this video, I break down how Non-QM loans work, who they may be a fit for, and when they could make sense as part of your mortgage strategy.

💬 Comment “NONQ” below and I’ll send you the link to the full YouTube video!

Follow me for more mortgage tips, or reach out anytime with questions. 🏡

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Equal Housing Lender | NMLS 150553 | Co NMLS 101770 | Not a commitment to lend. Rates & Terms subject to approval.

Address

2801 N Litchfield Road
Goodyear, AZ
85395

Telephone

+15035508842

Website

http://www.mortgageandcreditpro.com/

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