The Tipton Team - Benchmark Home Loans

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The Tipton Team - Benchmark Home Loans Jonathan Tipton is a Johnson City, TN mortgage provider with Benchmark Home Loans.

He, along with his team are dedicated to providing your family with a world class home buying experience.

Mortgage rates get a lot of attention, but what do they actually mean for your monthly payment?Here's an example:A $400,...
10/16/2026

Mortgage rates get a lot of attention, but what do they actually mean for your monthly payment?

Here's an example:
A $400,000 home with 5% down and a 30-year fixed mortgage.
At 6.38%, your principal and interest payment would be about $2,372 per month.
At 7.30%, that payment would be about $2,605.
That's a difference of approximately $233 per month.

I believe it's important to look at the actual payment instead of focusing only on the interest rate.

If you've been waiting to buy, let's see what the numbers look like for your situation!

Ever wonder why mortgage rates seem to have a mind of their own? Inflation, the economy and the bond market all play a r...
10/15/2026

Ever wonder why mortgage rates seem to have a mind of their own?

Inflation, the economy and the bond market all play a role.

As a local lender, part of the job is helping you understand what’s happening—and what it means for your homebuying plans.

🏡 Thinking about buying a home this fall or sometime in 2027? The best time to start preparing might be right now!You do...
10/13/2026

🏡 Thinking about buying a home this fall or sometime in 2027? The best time to start preparing might be right now!

You don't have to be ready to buy tomorrow to start making smart financial moves.

Paying down debt could improve your debt-to-income ratio. Building your savings can help with your down payment and closing costs. And checking your credit early gives you time to address any surprises.

As a local lender, I can help you look at your numbers, understand your options, and create a plan that fits your timeline.

You don't have to wait until you're ready to shop for homes to start the conversation!

Ever wonder why two people can get different mortgage rates on the same day?Your rate can be affected by several things,...
10/12/2026

Ever wonder why two people can get different mortgage rates on the same day?

Your rate can be affected by several things, including your credit score, down payment, loan type, loan amount, property type and even the length of the loan.

The market helps set the starting point, but your personal financial picture helps determine the rate available to you.

That’s why a personalized quote matters more than the rate you see online.

Rates may be higher right now, but rent isn’t exactly cheap either.When you look at what 5, 10, or 11 years of rent can ...
10/08/2026

Rates may be higher right now, but rent isn’t exactly cheap either.

When you look at what 5, 10, or 11 years of rent can add up to, it’s worth asking: could some of that monthly payment be going toward a home of your own?

There’s no one-size-fits-all mortgage. I have access to a variety of loan options, and we can look at your budget, goals, and lifestyle to find the one that makes sense for you.

🏡 Let’s run the numbers. You may have more options than you think.

Here's something buyers don't always realize: A mortgage application isn't just about what you earn or how much you have...
10/07/2026

Here's something buyers don't always realize: A mortgage application isn't just about what you earn or how much you have saved.

It's about how all your financial pieces fit together.

Sometimes, a small detail can make a big difference in your approval.

That's why I take the time to look closely at your application and ask questions early.

Finding an issue before you make an offer is a whole lot better than finding it two weeks before closing!

A 2-1 buydown and a permanent buydown are NOT the same thing. 📉A 2-1 buydown is temporary. It gives you a lower payment ...
10/06/2026

A 2-1 buydown and a permanent buydown are NOT the same thing. 📉

A 2-1 buydown is temporary. It gives you a lower payment for the first two years before moving to the full payment in year three.

A permanent buydown means paying discount points upfront to get a lower interest rate that stays with you for the life of the loan.

A temporary buydown can be helpful if you want some breathing room during those first couple of years. A permanent buydown may make more sense if you plan to keep the mortgage longer.

There isn’t one answer that works for everyone. Let’s compare the numbers!

Shopping for a mortgage? Don’t stop at “What’s the rate?”Here are 5 more questions worth asking 👇What is my APR?APR incl...
10/05/2026

Shopping for a mortgage? Don’t stop at “What’s the rate?”

Here are 5 more questions worth asking 👇

What is my APR?
APR includes your interest rate plus certain fees, giving you another way to compare loan options.

Can I pay every two weeks?
Biweekly payments can add up to one extra full payment each year. That may help you pay down your balance faster and save on interest.

Is recasting available?
If you make a large principal payment later, a recast may lower your monthly payment without refinancing.

Can you break down all of my estimated closing costs?
Understanding the fees upfront makes comparing your options much easier.

Do you know the local real estate market?
A lender with local experience and strong communication can help keep everyone on the same page.

Ask questions. Understand the numbers. Then choose the mortgage that fits your situation.

Experience Hits Different 🏡A good market makes everyone look good. A tough market shows you who knows what they’re doing...
10/02/2026

Experience Hits Different 🏡

A good market makes everyone look good. A tough market shows you who knows what they’re doing. Helping buyers find solutions when things get tricky? That’s where experience pays off.

Your Lender Should Be Doing More Than Quoting RatesWhen you find the right home, you need more than someone who can send...
10/01/2026

Your Lender Should Be Doing More Than Quoting Rates

When you find the right home, you need more than someone who can send you a quick rate quote.

You need someone who understands your goals, knows your loan options, communicates with everyone involved, and helps keep things moving when the unexpected happens.

That's the kind of lender I work to be.

Because getting you pre-approved is just the beginning. Getting you home is the goal. 🏡

Address

4138 Bristol Highway STE 4
Johnson City, TX
37601

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14234915405

Website

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