Jana Riddle-Ross Mortgage-NMLS# 2178660

Jana Riddle-Ross Mortgage-NMLS# 2178660 I am a licensed mortgage loan officer. I am currently licensed in TN, GA, FL, NC, and VA Let me take the hassle out of your next mortgage.

4718 Lake Park Drive
Suite 2
Johnson City TN 37615

Mobile: 423.552.9080

I am dedicated to providing you the highest level of service and care. With many loan programs available, I will find the best one for you at the lowest rate possible! Apply online or contact me today! NMLS Consumer Access: https://nmlsconsumeraccess.org/

NMLS: 2178660, TN: 2178660, Georgia: 2178660, Florida: LO98073, North Carolina: I-209241, Virginia: MLO-68033VA

Ross Mortgage NMLS ID #107716

05/02/2025

I'm still pinching myself... April was my BEST month yet as a loan officer, and my heart is just so full!

I had the honor of helping 7 incredible families in April — each with their own beautiful story, and each reminding me exactly why I love what I do.

I'm beyond grateful for every opportunity, every bit of trust placed in me, and every closing that marks a new beginning.

My goal has always been to be not just a lender, but your lender for life — and moments like these make it all worth it.

Here’s a little glimpse into the journeys I was lucky to be a part of:
💥 Helped a determined borrower crush his debts and boost his credit, setting him up to turn his current home into an investment property by January 2026!
👶 Helped the sweetest 20-year-old first-time homebuyer couple buy their first home for their growing family — with zero cash to close and a future of generational wealth ahead!
🏡 Celebrated with another first-time homebuyer family who planned and waited for years — now proud homeowners with an estimated $52,000 in appreciation over the next 5 years!
🔑 Helped a wonderful family sell their current home, upgrade to a new one, and use the proceeds to cover their down payment plus have extra funds left over!
❤️ Supported dear friends through a refinance that lowered their monthly payment and gave them funds to tackle home improvements and debt — a major win for their budget and dreams!
🎉 Cheered on a sweet family of 4 as they moved from renting to owning their very first home — and they even received money back at closing!
🏠 And finally, celebrated with a family who stayed committed to their dream since last September — now proud owners of the perfect home they had been waiting for.

Seriously... how is this my job?! 🥹

It’s more than loans and houses — it’s life-changing moments, dreams realized, and futures built.

THANK YOU to everyone who trusted me, especially my amazing referral partners.

I can’t wait to see what the rest of this year brings! 💛

04/21/2025

How we helped a newlywed couple wave goodbye to renting and say hello to $33,000 in just 5 years!

That’s the power of smart homeownership!
Instead of paying someone else’s mortgage, they built real equity—and you can too.

Here are a few questions we consider when deciding if it’s the right move:

🔑 How much are you currently paying in rent?
🔑 Do you plan to stay in the area for the next few years?
🔑 Are you in a stable job or income situation?
🔑 What’s the projected home appreciation in your county?
🔑 What age do you want to retire?

Once we run the numbers, we can map out your path to homeownership—and future wealth.

Is it time to wave goodbye to renting for good?

🚨 REALTORS – You’re Invited!Help your buyers beat the high-rate blues with 2-1 and 1-0 buydown strategies 🔽💰Join me for ...
04/17/2025

🚨 REALTORS – You’re Invited!

Help your buyers beat the high-rate blues with 2-1 and 1-0 buydown strategies 🔽💰

Join me for a free 20-minute Mini Webinar packed with tools you can use to close more deals—in any market!

🗓 Choose your date:
👉 Tuesday, April 23rd or Tuesday, April 30th
🕚 Time: 11:00 AM
📍 Zoom (link emailed after registration)

✅ Learn how buydowns really work
✅ When they make sense (and who pays)
✅ How to present these to buyers & sellers
✅ Short, powerful, and easy to implement

🎟 Register here: https://forms.gle/X3VyvMpxVvWzbNqm9

You’ll leave with real tools you can use that same day.

Can’t wait to see you there! 💻📈

04/17/2025

What Sets Ross Mortgage Apart? 🏡✨

In a world where home financing can feel overwhelming and impersonal, Ross Mortgage stands out for all the right reasons.

✅ Clear & Continuous Communication
From the very first conversation to the closing table, we keep you in the loop every step of the way. No guesswork, no radio silence—just answers when you need them.

✅ Availability & Reliability
We work evenings, weekends, and everything in between to make sure you're supported. When you need us, we're there—period.

✅ Direct Access to Decision Makers
Our close relationship with upper management and underwriting means fewer delays, quicker solutions, and smoother closings. You're never just a number in a file.

✅ Proven Processes That Deliver
We don’t just wing it. Our team follows trusted systems that keep things moving and help avoid costly mistakes or surprises.

✅ Education First Approach
We go the extra mile to make sure our clients understand the “why” behind every step. Whether you’re a first-time homebuyer or refinancing your 3rd property, we believe in empowering you with knowledge, not just paperwork.

When you work with Ross Mortgage, you're not just getting a loan—you’re gaining a team who’s committed to your success.

📲 Ready to experience the difference? Let’s chat.

04/15/2025

What if you didn’t have to sell your current home in order to buy your next one?

What if… you kept your house, held on to that amazing interest rate, and found a tenant to cover the payment?

Now you’ve got someone else covering the mortgage while your asset continues to grow in value. 📈

Sounds a little scary? You’re not alone—this idea can feel intimidating at first.

But for many people, becoming a landlord is way more manageable than they expected.

In fact, some homeowners have done it once… then again… and again.

And each time, they moved one step closer to financial freedom.

Here’s the best part: You don’t necessarily need to sell your home to access a down payment for your next one.

You might be able to use the equity from your current home to make it happen.

If building long-term wealth through real estate is something you're curious about, let’s talk through your options.

I’m here to help you explore what’s possible and put a smart plan in place.

Have a great evening!

📣 Attention to all my amazing referral partners!I can create a customized Real Estate Report Card—just like the one show...
04/08/2025

📣 Attention to all my amazing referral partners!

I can create a customized Real Estate Report Card—just like the one shown here—for any county and state. It’s a fantastic resource to share with your clients, packed with up-to-date, area-specific real estate and demographic info.

Drop the name of the county you’d like in the comments, and I’ll be happy to send the report your way! 🏡📊

04/01/2025

🏡 Is Homeownership Out of Reach? Let’s Change That!

Thinking about buying a home but feel like $300K is impossible?

You’re not alone—but homeownership is more achievable than you think with the right game plan!

Here’s how successful homeowners made it happen:
✅ Buying within their means – Starting with a home that fits their current financial situation, not their dream home.
✅ Making short-term sacrifices – Cutting back on unnecessary expenses, downsizing rentals, or delaying big purchases. (Not having a $1,000 car payment helps😜)
✅ Increasing income – Taking on a side hustle, negotiating a raise, or even switching careers to boost earnings.
✅ Planning ahead – Working with a loan officer (that’s me! 😉) to create a step-by-step roadmap to get pre-approved and ready to buy.

If you’re feeling stuck, let’s talk about where you are now and how we can get you into a home sooner than you think! 📩 Drop a comment or DM me to start your plan!

📢 Last Chance to Register! 📢Realtors, don’t miss out on this Mini Webinar on Renovation Loans happening this Thursday, M...
03/24/2025

📢 Last Chance to Register! 📢

Realtors, don’t miss out on this Mini Webinar on Renovation Loans happening this Thursday, March 27th at 11:00 AM! 🏡💰

Learn how FHA 203K and Conventional Fannie Mae HomeStyle loans can help your clients finance renovations and create their dream home—all in just 20 minutes! Plus, I’ll be answering your questions live.

📩 Register here: https://forms.gle/X3VyvMpxVvWzbNqm9
📧 The Zoom link will be emailed after registration.

This is the last session this month, but stay tuned for next month's topic! See you Thursday! 🙌

Please like and share!!

03/24/2025

How Much Do You Need to Buy a $300K Home in 2025? 🏡💰

Let’s break it down so you know exactly what it takes to qualify:

🔹 Scenario Used:
✅ 740 Credit Score
✅ 5% Down Payment
✅ 1.25% Avg Property Tax Rate
✅ 3% Avg Closing Costs
✅ PMI: 0.31%
✅ Priced on March 22, 2025 – Rate: 6.75% (APR 6.971%)

💰 Cash Needed in the Bank: $24,000 (5% down + 3% closing costs)

📊 Monthly Payment Breakdown:
🧮 Principal & Interest: $1,847
🏡 Property Taxes: $313
🔹 Mortgage Insurance: $98
🛡️ Home Insurance: $130
💳 Total Monthly Payment: $2,388

💼 Income Needed to Qualify:
If you have $500/month in other debt, your total obligations = $2,888/month
At a 45% debt-to-income ratio, you’d need to make $6,400/month or $77K/year 💵

📌 Takeaway: If you're aiming for a $300K home in 2025, start preparing NOW!

Always talk to a lender (that's me🙋‍♀️) first to know what you qualify for.

03/18/2025

Can You Buy a Home with Student Loans? 🎓🏡

Yes! Having student loans doesn’t mean you can’t qualify for a mortgage—it all comes down to your debt-to-income ratio (DTI). Lenders look at your total monthly debts (including student loans) compared to your income.

✅ Lower DTI = Better chance of approval
✅ Income-driven repayment plans can help
✅ Paying down other debts may improve eligibility
✅ I’ll help you find the best loan product that allows more room in your DTI!

Not sure where you stand?

I can help you crunch the numbers and create a plan to get you homebuyer-ready! 📩 Let’s chat.

03/17/2025

📢 New Segment Alert!

Sunday Rate Update with Southern Charm! ☕🏡

Exciting news!

I’m kicking off a brand-new weekly Sunday Rate Update to help keep you informed on where mortgage rates are trending!

Staying on top of mortgage rates is key when planning your homebuying or refinancing journey.

Each week, I’ll break down what’s happening in the market so you can make the best decisions with confidence!

Be sure to check in every Sunday for your update!

Have questions or want to discuss your home goals? Drop a 🏡 in the comments or DM me—I’m always happy and here to help! 💙

Address

Johnson City, TN

Telephone

+14235529080

Website

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