John Roanoke

01/13/2026

This program is new to AllWestern. Could gelp us get people into homes.

Let me know if you want to know more.

01/07/2026

This program is new to us. Great Medical program. Please let me know if you have any questions. Thank you!

11/20/2025

September job growth beat expectations with 119K jobs added, compared to the 50K forecast. July and August figures were revised down by a combined 33K, and the unemployment rate inched up from 4.3% to 4.4%.

10/01/2025

WIth the Shutdown happening wanted to get an update out:

Government Shutdown – Mortgage Banking Impact (October 2025)

Note: What follows is based on our best estimates. The last U.S. federal government shutdown was in 2019, while we anticipate delays in certain areas, it’s impossible to know exactly how all government services will be impacted right now.

As of 9:00 PM PST, the federal government has entered a shutdown. Below is what we expect the mortgage impacts to be — again, these are projections, not certainties:

Conventional (Fannie Mae / Freddie Mac)
• Operations remain largely unaffected. Loans can continue moving through the pipeline.

FHA Loans
• Most single-family loans are still being endorsed.
• Reverse mortgages and property improvement loans are paused.
• Some condominium approvals and related support may experience delays.

USDA Loans
• This is the sector expected to suffer the heaviest disruption.
• No new direct or guaranteed loans will be issued.
• Only loans with an existing conditional commitment may close — at the lender’s risk.
• USDA loans can still be submitted for underwriting review, but please note they will remain in Suspense status until GUS findings are received and the file can be submitted to RD for the Commitment.
• Rural buyers will see the greatest impact.

VA Loans
• Operate more normally (funded by user fees).
• Appraisals, and guarantees should still be available.
• Minor delays are possible, but most loans should remain closable.

Flood Insurance (NFIP)
• New policies may be paused. That could block closings in flood zones.

Bottom Line
• FHA & VA: Mostly operational but expect small delays in certain areas.
• USDA: Nearly shut down; major bottlenecks likely.
• Flood Insurance: Possible interruption may prevent some closings.

We are hoping for a fast resolution.

09/11/2025

If you are curious about homes available and prices, please click here:

09/10/2025

Have this great tool to watch your home's value:

https://hmbt.co/YXfe3Q

Click to check it out!

Homebot is a monthly financial dashboard that enables you to maximize the wealth from the single largest asset you will ever own.

01/15/2025

12/03/2024

Interest rates may have changed enough since you closed on your home to make a rate and term refinance possible. Let's do a check-up to see if we can lower your payments and free up your budget. Click the link to get started.

https://www.castlecookemortgage.com/john-roanoke

12/02/2024

Refinancing could be the key to a more affordable mortgage. If you closed on your home in late 2023, fill out my form below to explore your refinance options.

https://sites.totalexpert.net/home-loan-lead-form/john-roanoke-22136071

12/01/2024

Did you buy a home around this time last year? A rate and term refinance could lower your monthly payments. If you're curious about your options, click the link below so we can talk about how much you could save, and check your home's potential equity.

https://www.castlecookemortgage.com/john-roanoke

11/30/2024

Interest rates have changed since last year. If you bought your home in late 2023, refinancing now could mean big savings on your mortgage. Visit my link below to get pre-qualified.

[email protected]" rel="ugc" target="_blank">https://apply.castlecookemortgage.com/homehub/signup/[email protected]