Ask John Trotman about Mortgages: MA Loan Originator MLO9589 / NMLS #9589

06/05/2026

Sharing my knowledge & experience and knowing I truly helped someone, is what I enjoy most. I'm grateful for feedback like this.

05/01/2026

Did you see this? Up to $25K in down payment assistance for 1st time buyers 👀 See details in comments

01/21/2026

12/22/2025

Thrilled to have helped the buyers of this beautiful home secure the mortgage they needed for their purchase!
Wishing them a wonderful New Year filled with happiness and new memories in their new home.

11/04/2025

I’m so happy to have helped a great couple secure the financing they needed to purchase their first home!

Our first conversations started all the way back in October 2023, and I’ve been working closely with them ever since as they patiently waited for the "right one" to come along.

Their patience and preparation paid off. Congratulations on your beautiful new home! 🎉

Thinking about buying your first home? Let’s talk about your financing options and how to get you prepped for success.

10/30/2025

So.… Mortgage Rates Got Worse After the Fed Rate Cut 😬

Sounds backward, right? Here’s the scoop 👇

The Fed doesn’t actually set mortgage rates. When they change the “rate,” they’re adjusting the Fed Funds Rate (the rate banks charge each other overnight). That affects things like credit cards, auto loans, adjustable rate loans and home equity lines, but not mortgage rates directly.

Mortgage rates are more closely tied to 10-year Treasury yields, bonds, and mortgage-backed securities. The Fed’s actions do influence these markets, but what really moves rates is how investors react to what the Fed says in the press conference after their meeting announcement.

Yesterday, the market had already priced in the highly anticipated .25% rate cut and were even factoring in an additional .25% cut expected in December. Then Fed Chair Jerome Powell threw cold water on everything by saying:

“A further reduction in the policy rate at the December meeting is not a foregone conclusion... far from it.”

That “far from it” part spooked investors, causing an immediate sell-off in bonds and pushing yields higher, which means mortgage rates actually got worse.

👉 As of today, mortgage rates are roughly 0.125% - .25% higher due to Powell's comments yesterday.

Now we wait to see if rates continue to creep higher or will we see a rebound over the next few days? Stay tuned.

10/21/2025

The 10 Year Treasury dipping under 4% again today. When the 10-year Treasury dips, mortgage rates usually follow. Lower yield = cheaper borrowing = good news if you’re house hunting or thinking refi.

09/26/2025

Leverage your home’s equity and cut the sky-high credit
card interest you’re paying every month. It’s time to take
control of your financial future with a HELOC or HELOAN.
Message me to learn more.

09/12/2025

Opportunity is Knocking....
Interest rates have been improving, and we’re seeing some of the best rates in over a year.

The real estate market has cooled a bit. Homes are sitting longer, and we’re seeing more price reductions. Sellers are more open to negotiating, so BUYERS have more leverage and options right now.

If rates continue to improve, affordability will improve too. That’s good news, but it also means more buyers will jump back into the market. Competition will increase, and multiple-offer situations will likely return.

This window of opportunity favors buyers who think and move strategically. If buying a home is still in your short-term plans, I encourage you to treat the current market as an opportunity.

If you’d like, I can run quick numbers on any home you’re considering. I will estimate the monthly payment, the cash to close, and lay out a strong negotiation plan. I think you’ll be pleasantly surprised. Get in touch !

08/06/2025

Mortgage financing for first-time buyers ✅
It was a pleasure helping a fantastic couple secure the mortgage they needed to purchase their very first home!