Mortgage Man Joe G

06/02/2026

05/22/2026

A must-read notification: When you work with a local mortgage broker, you could see big savings compared to working with other lenders. Give me a call and let's explore those savings together!

05/18/2026

Give me a call to discover how you could use gift funds for part or even all of your down payment on your home purchase.

05/16/2026

I don't miss when it comes to special incentives on your home loan. Message me to see how I can get you an interest rate you'll love.

05/12/2026

Don't sacrifice your family's long-term plans because of a road bump. Give me a call and let's discuss how a home equity line of credit (HELOC) could help you!

05/10/2026

FHA loans are designed for low-to-moderate income homebuyers and typically require a lower down payment* than some conventional loans. Message me to learn more!

05/08/2026

I get questions like this all the time, and the truth is, you shouldn't let the myth of a large down payment scare you off. Message me today to discuss your down payment options.*

05/06/2026

🚨 BIG NEWS from Mortgage Man Joe G 🚨

Alright…this is one of those programs that actually moves the needle.

As of TODAY, I’ve got a LENDER-PAID 1-0 BUYDOWN available on Conventional, FHA, and VA loans.

Let me say that again…
👉 1% LOWER rate for the entire first year
👉 $0 out of pocket for it

That’s real savings—thousands back in your pocket in year one.

Here’s why this matters:
✔ Lower payment right out of the gate
✔ More breathing room as you settle into your home
✔ Extra cash flow to furnish, save, or just not feel stretched

If you’ve been waiting for the right time…this is the kind of deal that makes the numbers make sense.

⏱️ And yes—we can still close in less than 30 days!

📲 Shoot me a message or call me directly—I'll break it down and show you exactly what this looks like for YOU (or your client).

— Mortgage Man Joe G
Joe Gross
NMLS 2286533
Encore Lending Group LLC, NMLS #1249911
206 Wesley St
Johnson City TN 37601

05/06/2026

Real estate agents: Your first-time homebuyers could be eligible for a $2,500 credit.* Reach out and let's discuss how I can help make their dream a possibility.