John Fosgate Home Loans

01/09/2026

This is going to be great !!

If you are looking to save money on your mortgage payment due to the higher rates we have seen over the past couple of years, let’s chat and see if a Refinance makes sense. If nothing else, a quick review for a future game plan & piece of mind.

And if you have been thinking about buying but “waiting it out”, now is the time to get your pre-qualification rock solid so that you are ready when the perfect property comes along !!! As rates come down, there will be more buyer demand & more competition on the available inventory in your market.

Trump orders his ’Representatives’ to buy $200 billion in mortgage bonds

01/02/2026

Starting out 2026 with our first Cleared to Close file a week ahead of the closing date !!

01/02/2026

Closed out 2025 filled with December closings. We are honored to have assisted our clients & we are filled with Gratitude. Thank You to our Referral Partners for your trust. Looking forward to an amazing 2026 !!

12/17/2025

CLEAR TO CLOSE !! Wrapping up 2025 with a great December full of Closings. This particular file will be our first true Virtual Close with an E-Note ! Yes, our borrower will be closing in convenience & comfort of their own home Virtually.

12/04/2025

It’s always an honor being able to work with our past clients, and we appreciate the loyalty & trust through the years 😊🙏. This is such a beauful condo unit with amazing views. 🌊🌅.

Congrats to Buyers agent Amy Almester & Listing Agent Ignacio Barsottelli ! It was a pleasure working with you both !!

09/19/2025

Exciting News !!

08/18/2025

Today is the DAY many have waited for. Let us help you determine if you qualify for the 0% Down Payment Hometown Hero's(HTH) Loan. We have direct lender's that will can underwrite and process your loan within 24-48 hours. Contact us today to get pre-qualified immediately so that you can be ready to make that offer. This is program did receive a limited amount of funds, so availability for the Hometown Hero's program due get exhausted quickly. So if you have been waiting for better rates, to save up more money, this program may be your resolution based on program qualifications.

Here is a link to determine your Occupation Eligibility:
https://www.ehousingplus.com/wp-content/uploads/FHFC-HTH-Eligible-Occupations-List-08-15-25.pdf

08/06/2025

Mid Week Strong ! Getting the job done and closing deals early for 3 different clients. If you need and want your files closed fast & easy, send us a message so we can help you get to the closing table. We have plenty of time to get your loan closed in August !!

06/03/2025

🔴There has been alot of misinformation being shared on Social Media regarding the FLORIDA HOMETOWN HEROS DOWNPAYMENT ASSISTANCE PROGRAM. While we all want to help educate & keep the pubiic informed as soon as possible about great programs, it is more important to have the facts straight first before marketing it. Becuase there has been so much misinformation being shared over the past month or 2, Florida Housing Finance Corporation just released the following to make sure the record is straight.🔴. Please feel free to share this if you know of anyone that may have already been misled about program details.

01/30/2025

Congrats Judy on your new Condo !!

🎉 Big congratulations to our amazing client, Judy on closing on her new condo earlier this month! 🏡✨ Wishing you all the best in your new condo!

A huge shoutout to John Fosgate for his outstanding work on the financing—thank you for helping make this dream a reality! 🙌💼

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New Smyrna Beach Florida, NSB Realtor, NSB Real Estate, New Smyrna Beach Real Estate, NSB Realty Team, Love NSB

01/13/2025

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Want to make a “No Contingency Offer” while owning another home? See comments 👇👇👇