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John Werner- NMLS #150553 Mortgage and Credit Pro a DBA of Northwest Funding Group NMLS #101770
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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

06/03/2026

𝗪𝗵𝗮𝘁 𝘆𝗼𝘂𝗿 𝗯𝗮𝗻𝗸 𝗵𝗼𝗽𝗲𝘀 𝘆𝗼𝘂 𝗻𝗲𝘃𝗲𝗿 𝗹𝗲𝗮𝗿𝗻 👀

Making extra payments on your mortgage can potentially save you a LOT of money.

Here’s why:

👉 Every extra dollar you pay toward the 𝗽𝗿𝗶𝗻𝗰𝗶𝗽𝗮𝗹 lowers the amount you owe.

That means:
✅ Less interest paid over time
✅ More equity in your home
✅ A faster path to owning your house outright

A few things to remember:

👉 The sooner you make extra payments, the more they help.

👉 Small extra payments add up. You don’t have to wait until you can make a huge one.

👉 Ask your loan servicer to apply extra money to 𝗽𝗿𝗶𝗻𝗰𝗶𝗽𝗮𝗹 𝗼𝗻𝗹𝘆.

Even one extra payment each year can make a big difference over the life of your loan.

Save this post for later and send it to someone who owns a home. 👇

06/03/2026

New 5.0-star Review: "John Werner was recommended to me by my realtor and I took a chance with a new lender out of blind trust for my realtor- I’m glad I did! He was great to work with and very involved with the entire transaction- checking in, explaining numbers, and answering any questions any time I had them, even if it was after hours. He is very knowledgeable with VA loans and was able to get me a lower interest rate than initially anticipated. He saved me money throughout the transaction as well as on my monthly payments going forward, and was polite, professional, and well versed in the lending world throughout the entire process. If there’s anything negative to say about John or his company, I haven’t found it yet. I would definitely use him again on my next house purchase!"

06/02/2026

Thinking about refinancing your VA loan? 🇺🇸

There are a few important things most veterans don’t realize…

Refinancing isn’t one-size-fits-all. There are different options available, and some may be simpler than you’d expect depending on your situation.

But here’s the key: It only makes sense if the numbers truly work in your favor.

After 25+ years, I’ve seen how helpful the right refinance can be and how costly it can be when it’s done without a clear plan.

That’s exactly what this video breaks down.

If you ever want help reviewing your options and running the numbers, I’m here to help.
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Equal Housing Lender | NMLS 150553 | Co NMLS 101770 | Not a commitment to lend. Rates & Terms subject to approval.

06/01/2026

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝘂𝗻𝗲 𝟭, 𝟮𝟬𝟮𝟲

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗹𝗼𝘄𝗲𝗿 👍
Rates fell for a second straight week, although the improvement was modest as peace talks with Iran continued to drag on without a final resolution. All other factors continued to take a back seat, with mortgage rates reacting almost solely to events in the Middle East.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Rates will continue reacting to headlines about a potential peace deal with Iran, and that news was already volatile this morning. Unconfirmed reports that Iran may walk away from negotiations and fully block the Strait of Hormuz pushed mortgage rates higher to start the week. With markets closely tracking developments in the Middle East, rates will likely remain difficult to predict this week.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
• The Middle East: Mortgage rates will continue to react to headlines about peace deal negotiations. When oil prices fall, rates tend to improve. When oil prices rise, rates tend to move higher. Expect some day-to-day volatility, and even changes during the day, as markets respond to new developments.
• Economic data: Although this is a big week for labor market data, it is unlikely the data will have as much impact on mortgage rates as usual.

06/01/2026

New 5.0-star Review: "John was fantastic to work with. We appreciate his knowledge and willingness to answer all our questions. Highly recommend!"

05/30/2026

New 5.0-star Review: "John picked up the pieces when another agent fell out of contact. Seamless communication and stellar follow up during a tough situation. I am appreciative of his willingness to step in and keep the deal together. Highly recommended."

05/30/2026

New 5.0-star Review: "As first-time homebuyers, we had a lot of questions and concerns throughout the process. John was patient, responsive, and fought hard for us every step of the way. He helped us close on our VA loan smoothly and made a stressful process feel manageable. We’re incredibly thankful for everything he did for our family."

05/29/2026

🏡 How long does it really take to buy a house?

Most people guess wrong.

Some think weeks…
Others think months…

💡 The truth? It depends on a few key steps.

In this video, I break down:
📊 How long pre-approval takes
🏠 How long it takes to find a home
📑 What happens before closing

🎥 Watch the full breakdown:
https://youtu.be/Ij0CkJio8oU

📘 FREE Homebuyer Guide:
easyfirsthome.com/homebuyer-guide

🌐 Learn more:
mortgageandcreditpro.com

📞 (503) 550-8842 | (623) 363-0724

Follow for simple, no-fluff homebuying tips.

05/29/2026

Think you can only use your VA loan once?

This is one of the biggest misunderstandings I hear from veterans.

The truth is that your VA benefits may be more flexible than you’ve been told… and qualifying might not be as difficult as you think.

There are options and details most people never fully get explained and that can make a big difference when you’re planning your next move.

After 25+ years, I’ve helped many veterans navigate this the right way, and it often opens more doors than they expected.

If you want the full breakdown, just comment “VA” and I’ll send it over.
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Equal Housing Lender | NMLS 150553 | Co NMLS 101770 | Not a commitment to lend. Rates & Terms subject to approval.

05/29/2026

New 5.0-star Review: "John and his team were fantastic throughout the entire process. They were extremely responsive, knowledgeable, and always took the time to answer any questions we had. Buying a home can be stressful, but they made everything feel smooth and manageable. If you’re looking for a lender, look no further!"

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2801 N Litchfield Road
Goodyear, AZ
85395

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+15035508842

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http://www.mortgageandcreditpro.com/

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