John Buwalda, Buwalda Mortgage Services, Inc.

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Hanford, CA
John Buwalda, Buwalda Mortgage Services, Inc.

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Buwalda Mortgage Services Inc., AKA BMS Inc., offers a variety of loan products from FHA, Conventional, VA and Privately funded loans.

With over 30 years of mortgage lending/finance experience, I am passionate about helping everyone achieve the American dream of owning a home as well as utilizing real estate as a tool to help solve problems and create generational wealth. We are a family owned business that has over 24 years experience in mortgage lending, finance, and retail banking.

11/03/2026

Real estate agents: are your buyers receiving competitive mortgage pricing? Different lenders can offer different rates, fees, and loan solutions. Give your clients the benefit of an apples-to-apples comparison before they make a decision.

Call or text: 559-469-6657
buwaldamortgage.com
Making Lending Great and Affordable.

11/02/2026

Already approved for a mortgage? Before you commit, get a free second opinion. Compare the rate, APR, lender fees, and cash to close—not just the monthly payment. A fresh comparison may uncover another option worth considering.

Call or text: 559-469-6657
buwaldamortgage.com
Making Lending Great and Affordable.

11/01/2026

Financing an investment property? DSCR and other non-QM programs may be worth exploring when traditional income documentation doesn't fit your scenario. Eligibility, down payment and pricing vary. Let's discuss the options and compare costs. Visit buwaldamortgage.com.

Making Lending Great and Affordable.
Call or text: 559-469-6657

10/31/2026

Mortgage shopping tip: don't let a headline rate distract you from discount points and lender fees. The best comparison looks at the complete loan offer—not just one number. Let Buwalda Mortgage help you compare apples to apples. Visit buwaldamortgage.com.

Making Lending Great and Affordable.
Call or text: 559-469-6657

10/30/2026

Considering a refinance? A lower monthly payment alone doesn't tell the whole story. Review closing costs, the new loan term, the break-even period and your long-term goals before deciding. Buwalda Mortgage offers a no-obligation loan comparison. Visit buwaldamortgage.com.

Making Lending Great and Affordable.
Call or text: 559-469-6657

10/29/2026

🏡 HAVE A LOW MORTGAGE RATE? REFINANCING COULD STILL SAVE YOU MONEY!

Holding on to that 2%, 3%, or 4% mortgage rate? Understandable! But have you considered your BLENDED INTEREST RATE across ALL your debt?

💳 Credit cards at 20%–30%
🚗 Auto loans at 7%–12%
🎓 Student loans at 6%–10%
🏠 Mortgage at 3%

Sometimes refinancing into a slightly higher mortgage rate to pay off high-interest debt makes financial sense!

✅ Lower total monthly payments
✅ Improve monthly cash flow
✅ Consolidate debt into one payment

It's not just about your mortgage rate. It's about your overall financial picture!

At Buwalda Mortgage, we offer a FREE debt consolidation analysis to see if refinancing makes sense for you.

📞 559-469-6657
📧 [email protected]
🌐 buwaldamortgage.com

Don't assume refinancing is a bad idea. Let's run the numbers!

10/29/2026

A traditional conventional loan isn't the right answer for every borrower. Depending on qualifications, FHA, VA, USDA and non-QM options may offer different paths to financing. We shop multiple lending sources to help find a suitable solution. Ask Buwalda Mortgage about your scenario at buwaldamortgage.com.

Making Lending Great and Affordable.
Call or text: 559-469-6657

10/29/2026

🏡 **DON’T OVERLOOK NON-QM LOANS!**

As a **Non-QM Loan Expert**, I’m seeing something many borrowers and real estate professionals may not realize:

In various loan scenarios, **Non-QM financing is pricing considerably better than traditional Fannie Mae conventional financing** — for both **primary residences AND investment properties.**

Non-QM isn’t just for difficult loans. It can be a powerful financing option for **self-employed borrowers, investors, unique income situations, and borrowers looking for better overall loan solutions.**

Before assuming conventional financing is the best option, **COMPARE THE NUMBERS.**

📞 Reach out for a second opinion. The right loan structure could make a BIG difference. 559-469-6657 [email protected]

**Making Lending Great and Affordable.**

10/28/2026

Real estate agents: your buyer's financing can affect affordability and the strength of a transaction. Before accepting that one lender's pricing is the only option, compare loan scenarios side by side. Buwalda Mortgage welcomes a second look at rates, fees and available loan programs. Visit buwaldamortgage.com. John Buwalda

Making Lending Great and Affordable.
Call or text: 559-469-6657

10/27/2026

Your Loan Estimate tells an important story. Look beyond the quoted rate: compare origination charges, discount points, mortgage insurance and total closing costs. We can help you understand the numbers with a free second opinion. Visit buwaldamortgage.com.

Making Lending Great and Affordable.
Call or text: 559-469-6657

Address

804 N Irwin #A
Hanford, CA
93230

Telephone

+15595303042

Website

https://www.buwaldamortgage.com/

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