John Gonzales Mortgage Lender Nmls#:400597

John Gonzales Mortgage Lender Nmls#:400597 My approach to mortgage lending is simple: treat people as I would want to be treated.

I joined Cherry Creek Mortgage Company because they share this philosophy. Buying a new home or refinancing an existing home loan is a stressful time; allow me to ease some of the stress, and help you along the way - Plus make it FUN! After all, a home purchase or refinance can be one of the most exciting things you will do in your lifetime. Our team approach ensures you receive the highest level of customer service in the industry. Our office has 150+ combined years of lending experience, which means you will always have a team of lending experts available to work with you. Call me to learn more, and be sure to inquire about our low down payment purchase options. We offer a wide variety of loan programs, including Conventional, FHA, FHA 203k, VA, and many more. Whether you are buying your first home, or a dream vacation home, it would be my pleasure to serve you.

03/02/2026

Learning a second language is tough. Congratulations to people who can no matter how broken or grammatically incorrect it is! Much respect for them.

01/26/2026

He let people know what’s really important 🥹

The Federal Reserve Board cut policy rates by 0.50% at their most recent meeting. At his press conference, Fed Chair Jer...
10/03/2024

The Federal Reserve Board cut policy rates by 0.50% at their most recent meeting. At his press conference, Fed Chair Jerome Powell hinted at more cuts to come this year.

What exactly did the Fed say?
The Fed’s statement described recent cooling for both the job market and inflation. The Board believes a policy rate cut can boost private sector spending on labor without endangering the slow-down in inflation rates. While Powell is optimistic for more cuts this year, he reiterated that future data would determine when and if those cuts are made.

Will mortgage rates fall in response?
The Fed does not directly control mortgage rates. In fact, investors in mortgage-backed securities often act in anticipation of Fed moves. Rates had already dropped to their lowest levels of the year. It’s too early to know where they will settle after the Fed’s action.

Should you wait to make your move? A qualification consultation or even a pre-approval is a great place to start.

Here are four factors to consider in your decision:
• You may be able to land a better rate even before the Fed acts again. Mortgage rates often move in anticipation of Fed policy rate changes or in response to other news.
• A Fed rate cut is likely to usher in more competition and higher house prices. Purchasing now at a slightly higher rate and lower price could be a less expensive option.
• By purchasing now, you can divert your rent money to building equity in a home of your own. Paying rent builds equity for your landlord; making mortgage payments builds equity for you.
• Getting started now with a pre-approval can put you at the starting line when you’re ready to make a move.

Background on the Fed:
•The Federal Reserve Board (the Fed) controls the federal funds rate and discount rate, which are charges for overnight loans from bank to bank or from the Fed to member banks.
• This rate was lowered to near zero in March 2020 in response to the pandemic.
• The Fed has a standing inflation target of 2%. When historic inflation hit in March 2022, they began a cycle of rate increases to slow spending and bring it down.
•September brought the first policy rate cut since the initial change in 2020.

Spring is in the air, and so is the excitement of purchasing a new home! Whether you're a seasoned homeowner or venturin...
03/26/2024

Spring is in the air, and so is the excitement of purchasing a new home! Whether you're a seasoned homeowner or venturing into homeownership for the first time, Bank Five Nine is here to make your journey smooth.
Contact me today for a preapproval or any questions you may have!

Are you surprised at how low you may be able to go? While many believe a 20% down payment is required, you can see now t...
01/18/2024

Are you surprised at how low you may be able to go? While many believe a 20% down payment is required, you can see now that it’s far from the only option.
Whether you’ve saved a little or a lot, reach out today, and we’ll work on finding a loan that works for you.

Several financial activities can change your approval for a mortgage, and some may even disqualify you.Here are ten thin...
07/05/2023

Several financial activities can change your approval for a mortgage, and some may even disqualify you.
Here are ten things that could negatively affect your application for credit. ow.ly/apMu104N6WH

06/20/2023

🥳* CONTEST TIME!* 🎉 We want to encourage kindness and positivity in our communities, so we're asking you to share how someone has made your life better during the month of June! It could be something big or small, as long as it has positively impacted your day! (Even as simple as someone holding the door open for you on your way out of a coffee shop. 😊)

At the end of the month, we'll select a winner from the comment sections on Facebook and Instagram and 'treat' them for sharing! We will pin this post to the top of our page, so be sure to check it out and share the love throughout the month.

Official Rules Here: https://www.bankfivenine.com/makelivesbettersocial/

Address

6525 W Bluemound Road
Milwaukee, WI
53213

Telephone

+14148614815

Website

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