Todd Everette Johns Creek Mortgage

10/30/2026

Q: What should I do before walking away from a home?

Quick answer: Ask for another review.

Before making a final decision, talk with your real estate agent and loan consultant about what is preventing the transaction from moving forward.

Depending on the situation, we may be able to review the financing structure, eligible seller contributions, contract terms or another available strategy. Some challenges will not have a workable solution, but it is worth making sure you understand the available options before deciding.

Financing options, seller contributions and contract terms are subject to borrower qualification, negotiation, loan program requirements, property eligibility and applicable lender guidelines.



Todd Everette | 370306
Johns Creek Mortgage, LLC | NMLS ID #2320634 | www.nmlsconsumeraccess.org
Licensed Mortgage Broker in Georgia
Equal Housing Opportunity | Johns Creek Mortgage, LLC arranges but does not make loans.

10/28/2026

“We may not be able to make this one work.”

That may ultimately be the right decision – but before you walk away, let’s talk about what is creating the concern.

Did the numbers change? Was there an appraisal issue? Is the cash needed at closing higher than expected? Has something changed in your financial situation?

Once I understand the problem, I can review the financing and work with you and your real estate agent to determine whether another approach may be available.



Todd Everette | 370306
Johns Creek Mortgage, LLC | NMLS ID #2320634 | www.nmlsconsumeraccess.org
Licensed Mortgage Broker in Georgia
Equal Housing Opportunity | Johns Creek Mortgage, LLC arranges but does not make loans.

10/26/2026

One thing I’ve learned is that a transaction can reach a difficult point without every possible path having been explored.

An appraisal issue, unexpected expense, financing change or concern about the monthly payment may make a buyer feel like the home is no longer possible.

I cannot promise that every transaction can be saved. But before my clients walk away, I want to understand what changed, review the numbers and see whether there is another reasonable option to consider.



Todd Everette | 370306
Johns Creek Mortgage, LLC | NMLS ID #2320634 | www.nmlsconsumeraccess.org
Licensed Mortgage Broker in Georgia
Equal Housing Opportunity | Johns Creek Mortgage, LLC arranges but does not make loans.

10/23/2026

Happy Friday Everyone. I wanted to leave a link to a page on our company website. It is a link to our "Agent Resources" page. Check it out if you are looking for any assistance regarding flyers, ~OR ~ just reach out to me, and I can get them generated for you.

Access essential mortgage resources for agents. Get expert guides & tools to assist clients in Cu***ng, GA. Call 678-632-0080 today!

10/23/2026

Q: Can changing the financing strategy change the numbers?
Quick answer: It may.

The purchase price is only one part of the equation. The loan program, down payment, interest rate, mortgage insurance and eligible negotiated terms can also affect the monthly payment and cash needed at closing.

I can help you compare available options and understand the trade-offs. The goal is not simply to make a purchase possible – it is to determine whether the financing fits your budget, comfort level and long-term goals.

Financing options, seller contributions and other negotiated terms are subject to borrower qualification, loan program requirements, property eligibility and applicable lender guidelines.



Todd Everette | 370306
Johns Creek Mortgage, LLC | NMLS ID #2320634 | www.nmlsconsumeraccess.org
Licensed Mortgage Broker in Georgia
Equal Housing Opportunity | Johns Creek Mortgage, LLC arranges but does not make loans.

10/21/2026

“The numbers just don’t work for me.”
That is an important concern – and one worth looking at more closely.

Is the challenge the monthly payment, cash needed at closing, available savings or overall purchase price? Once I understand which part is creating the concern, I can help you explore whether another approach may be available.

There is no guarantee that every situation will have an immediate solution. But before you assume homeownership is out of reach, let’s make sure you understand the complete picture.



Todd Everette | 370306
Johns Creek Mortgage, LLC | NMLS ID #2320634 | www.nmlsconsumeraccess.org
Licensed Mortgage Broker in Georgia
Equal Housing Opportunity | Johns Creek Mortgage, LLC arranges but does not make loans.

10/19/2026

One thing I’ve learned is that buyers do not need to force the numbers to work.

If the payment, cash needed at closing or overall cost feels uncomfortable, I would rather take another look at the strategy. That might mean adjusting the price range, exploring another financing option or simply deciding that more preparation is needed.

My goal is to help you understand the numbers and make a decision that supports your priorities – not pressure you into a payment that does not feel right.



Todd Everette | 370306
Johns Creek Mortgage, LLC | NMLS ID #2320634 | www.nmlsconsumeraccess.org
Licensed Mortgage Broker in Georgia
Equal Housing Opportunity | Johns Creek Mortgage, LLC arranges but does not make loans.

10/16/2026

Q: What can make a home worth a closer look?

Quick answer: More than the list price.

A property’s time on the market, condition and level of buyer interest may affect the conversation. Depending on the transaction, there may also be an opportunity to negotiate seller contributions or other terms.

Those possibilities are never guaranteed and must meet the applicable loan program requirements. I can work with you and your real estate agent to review the financing side and help you understand the complete picture before you decide.

Seller contributions and other contract terms are subject to negotiation, loan program limits, borrower qualification and applicable lender guidelines.



Todd Everette | 370306
Johns Creek Mortgage, LLC | NMLS ID #2320634 | www.nmlsconsumeraccess.org
Licensed Mortgage Broker in Georgia
Equal Housing Opportunity | Johns Creek Mortgage, LLC arranges but does not make loans.

10/15/2026

For those “waiting”….. from the horses mouth. You will be waiting longer. There is no better time than the present. No one knows what the future holds. Of course, with a higher rate; your payments will be higher. Let’s take a look, and make an educated decision. You always have the option to refinance when rates drop.

https://www.mpamag.com/us/mortgage-industry/market-updates/fannie-mae-just-dramatically-upped-its-2027-mortgage-rate-expectations/593529

The attached flyer is a representation of a buyer’s market vs a sellers. We are currently headed towards a buyer’s market again. Only a $18.00 monthly difference in this scenario.
See flyer in comments.

Let’s Talk. (678) 609-TODD or
(678) 227-1717

Todd Everette | NMLS # 370306
GA Residential Mortgage License # 370306
[email protected]
Call | Text | Email
https://toddeverette.com

Johns Creek Mortgage, LLC
6455 E Johns Crossing Suite 350
Johns Creek, Georgia 30097
NMLS ID #2320634 | Georgia Residential Mortgage Licensee
Fair Lender | Fair Housing | Equal Housing Opportunity
Licensed Mortgage Broker. We Arrange Loans, We Do Not
Make Loans.
All Loans Are Subject To Lender Approval. Not A Commitment
To Lend.

Brokers face a leaner 2027 as the mortgage giant’s new outlook slashes refinance volume and keeps borrowing costs above 7%

10/14/2026

“There just aren’t good opportunities out there right now.”
I understand why it can feel that way. But a good opportunity does not look the same for every buyer.

For one person, it may mean less competition. For another, it may be a home with room for negotiation or financing terms that help address upfront costs.

I would start by asking what matters most to you. Once we understand your priorities, we can evaluate the options available and see whether anything deserves a closer look.



Todd Everette | 370306
Johns Creek Mortgage, LLC | NMLS ID #2320634 | www.nmlsconsumeraccess.org
Licensed Mortgage Broker in Georgia
Equal Housing Opportunity | Johns Creek Mortgage, LLC arranges but does not make loans.