JRP Mortgage

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JRP Mortgage I'm a Senior Mortgage Originator with U.S. Bank...I educate folks on mortgages and help finance their homes.
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I'm a Senior Mortgage Consultant with Fairway Independent Mortgage Corporation, and I specialize in all matters relating to residential finance.

10/20/2026

That lower rate you’re being offered could cost you thousands. Here’s the math nobody runs for you.

A discount point is 1% of the loan, paid upfront to buy your rate down about 0.25%. On a $400K loan that’s $4,000 at closing to save $67 a month — a 60-month breakeven. Move or refinance before month 60 and the points were a donation.

Before you buy a rate down, ask one question: “How many months until I break even?”

John Paunan | Senior Mortgage Originator, U.S. Bank | NMLS 223061
Questions on your numbers? (847) 268-8000

10/19/2026

Your pre-approval letter might not be worth the paper it’s printed on. Most are just automated computer findings — no human underwriter has ever seen your file, and only an underwriter can actually approve your loan.

Before you shop for homes, ask your originator one question: “Has an underwriter seen my file?” Get a fully underwritten pre-approval and you can close in days instead of weeks or months. Sellers notice.

10/15/2026

Interest rates are now at 3 week lows, but be wary! Inflation data is not our friend and bonds are rallying primarily because of the stock market, which can change at any moment.

10/14/2026

Wild ride in mortgage backed securities today, but all ending in positive territory, which was good for interest rates!

10/13/2026

Let’s be honest, waiting to enter a market is a gamble…no other way to put it. Let’s do some math!

10/12/2026

Happy Indigenous Peoples’ Day everyone!

10/10/2026

Ok, one thing’s better than kind customers…kind REPEAT customers!!

10/09/2026

Another tumultuous week in the bond market, but overall ending on the positive side, which is good for interest rates! Hoping this continues!

10/08/2026

Nothing better than working with kind folks!

10/02/2026

After an initial bump from non-farm payrolls, bond investors sell back to the prior, worse range after having time to look further into the data. The unemployment rate is still low, which they correlate to higher inflation, so interest rates are predicted to stay higher.

Address

136 S Washington Street
Naperville, IL
60540

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

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