John Degenhardt - Sr. Mortgage Advisor, NMLS# 1752337

John Degenhardt - Sr. Mortgage Advisor, NMLS# 1752337 Equal Housing Opportunity. Personal NMLS 1752337

Before rates even come up, I hear these questions every single time 👇And honestly… they matter just as much (if not more...
02/11/2026

Before rates even come up, I hear these questions every single time 👇

And honestly… they matter just as much (if not more).

🟦Buying a home is bigger than just chasing the lowest rate.

🟦Does it even make sense to buy right now, or should I wait?

🟦How much cash do I really need upfront?

🟦Can I still compete without waiving everything?

🟦What’s my monthly payment going to feel like—not just qualify for?

These questions matter before the rate ever does. Strategy First. Rate Second.

February check-in: are you seeing more flexibility on terms — or more patience from sellers? This part of the year often...
02/03/2026

February check-in: are you seeing more flexibility on terms — or more patience from sellers? This part of the year often brings quieter movement and more thoughtful decisions. How buyers and sellers respond during that pause can shape the rest of the process more than people expect. Curious what that means for your own plans?

Huge win today 🎉🏡Closing day for a first-time homebuyer who finally crossed the finish line after almost two years of se...
01/27/2026

Huge win today 🎉🏡

Closing day for a first-time homebuyer who finally crossed the finish line after almost two years of searching. Couldn’t be happier for him!

This one’s a great reminder that Non-QM loan options can truly open up more possibilities for buyers—especially self-employed borrowers who don’t always fit the traditional lending box.

Different income, different paths… still the same goal: homeownership.

If you’ve been told “no” before, there may be more options than you think. 🔑🏡

The housing market isn’t broken — it’s noisy. 💥Headlines sell fear. Data tells the story.People don’t buy homes because ...
01/21/2026

The housing market isn’t broken — it’s noisy. 💥
Headlines sell fear. Data tells the story.

People don’t buy homes because the market is perfect.
They buy because life happens.

If you’re wondering how today’s market applies to you, let’s talk.

John Degenhardt, Sr. Mortgage Advisor, MJW Mortgage. NMLS #1752337 #199907

Pending Home Sales – signed contracts for existing homes – rose 4% from July to August and 3.8% year-over-year, as lower...
10/02/2025

Pending Home Sales – signed contracts for existing homes – rose 4% from July to August and 3.8% year-over-year, as lower mortgage rates help more buyers go under contract.

🚨 Today is Fed Day 🚨Mortgage rates are now sitting near 3-year lows.If you bought a home anytime in the last three years...
09/17/2025

🚨 Today is Fed Day 🚨
Mortgage rates are now sitting near 3-year lows.

If you bought a home anytime in the last three years, this could be your chance to lower your payment, free up cash through a refinance, or explore cash out refinance to consolidate debt.

Curious what refinancing might look like for you? Send me a message—I’d be happy to run the numbers and show you your options. 🏡📉

John Degenhardt, Sr. Loan Officer
MJW Mortgage NMLS #199907 #1752337
Equal Housing Lender

Mortgage rates just hit yearly lows — a welcome shift for buyers and homeowners alike! 👏➡️ If you’ve purchased a home re...
09/05/2025

Mortgage rates just hit yearly lows — a welcome shift for buyers and homeowners alike! 👏

➡️ If you’ve purchased a home recently and locked in at a higher rate (high 6.00% - 7.00% + range), this could be a great time to explore refinancing.

➡️ If you’ve been waiting to start the homebuying process, lower rates can open the door to new opportunities.

I’d love to be a resource for you (or anyone you know) to see how these changes could work in your favor. Shoot me a message anytime — I’m here to help! 🏡

John Degenhardt - Senior Loan Officer, NMLS # 1752337
MJW Mortgage NMLS # 199907

I Stand With The WNBA Players! 🏀✊Affordability is tough right now — prices are up across the board. But if you’re wonder...
07/21/2025

I Stand With The WNBA Players! 🏀✊

Affordability is tough right now — prices are up across the board. But if you’re wondering whether homeownership is still within reach, the answer is: yes — with the right strategy.

We have creative financing options to help you make that dream a reality.

Waiting on a raise or future income boost? We’ve got solutions for that too.

Let’s talk through your options and put a plan in place that works for you.

Happy Closing Day to Jacob! He is closing on his first investment property here in Indianapolis, IN 🏡
05/16/2025

Happy Closing Day to Jacob! He is closing on his first investment property here in Indianapolis, IN 🏡

Great week! 🎉Two happy clients just closed on their homes, and another is officially under contract! 🏡🔑Huge thanks to my...
05/09/2025

Great week! 🎉Two happy clients just closed on their homes, and another is officially under contract! 🏡🔑

Huge thanks to my incredible referral partners — your trust means everything and I’m grateful for the chance to help your clients reach these milestones!

Signed contracts for new homes decreased by 10.5% from December to January, reaching a three-month low of 657K units. Th...
02/26/2025

Signed contracts for new homes decreased by 10.5% from December to January, reaching a three-month low of 657K units. This decline can likely be attributed to elevated interest rates and severe winter weather across the country, particularly in the South. However, December's sales figures were revised notably higher.

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Indianapolis, IN

Telephone

+13179080017

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