John Markman at Fairway Independent Mortgage

04/11/2026

5.0 star review received on Experience.com for John Markman by Carlos J O R - The team help me alot

Click to see all 199 reviews of John Markman, Loan Officer | NMLS # 1660491

04/09/2026

5.0 star review received on Experience.com for John Markman by Alexis A - I just really enjoyed working with John. His team was very quick to respond. And helped problsve.

Click to see all 198 reviews of John Markman, Loan Officer | NMLS # 1660491

02/09/2026

I love my Heartland BNI chapter. Would you like to visit this Wednesday morning to see about growing your business?

🔥 One year changes everything. 🔥

This time last year, one team was just a few pieces away.
Another needed direction, leadership, and a reset.

Fast forward a year and look where we’re at.
Same grind. Same effort.
Different people in the room. Different results.

Growing isn’t just about working the hardest.
It’s about surrounding yourself with the right teammates — the ones who challenge you, sharpen you, and help you see what you can’t see alone.

At BNI Heartland, the foundation is strong.
The culture is built.
The systems are in place.
We’ve got the right pieces — we just need a few key players ready to step in and help take this team to the next level.

If you’re ready to grow, don’t do it alone.
Come grow with us.

💌 BNI Heartland Valentine’s Bash
📅 February 11
⏰ 8:00 AM

02/02/2026

I'm very grateful to be in this crowd. I've got a great team at Fairway and I love serving homebuyers/homeowners. I don't take it lightly that realtors, past clients, my community and friends trust me with the referrals. I'm really honored.

05/05/2025

Great article on Non-QM Trends. 5% of loans today at Non-QM... Do you know what makes a QM vs. Non-QM mortgage?

🏠 Qualified Mortgage (QM)
Meets CFPB rules under the Ability-to-Repay (ATR) standard.

No risky features:

No negative amortization (where loan balance grows over time).

No interest-only payments.

No balloon payments (with small-lender exceptions).

Debt-to-Income (DTI) limits: Often capped at 43% (though some QM types allow more flexibility based on pricing).

Upfront fees and points: Generally can’t exceed 3% of the loan amount.

Standard documentation: Requires full verification of income, assets, employment, debts, and credit.

Legal protections for lenders: Safe harbor or rebuttable presumption against borrower lawsuits.

✅ Examples: Conventional loans under Fannie Mae/Freddie Mac rules, FHA/VA loans, USDA loans.

🏠 Non-Qualified Mortgage (Non-QM)
Does not meet all CFPB QM standards, but still must follow the ATR rule.

Allows more flexible terms:

Can include interest-only or balloon payments.

May allow higher DTI (above 43%).

May use alternative income documentation (like bank statements, asset depletion, or stated income for self-employed borrowers).

Higher risk, higher cost: Lenders and investors charge higher rates to account for more risk.

Fewer legal protections for lenders: If the borrower defaults, they can more easily challenge the loan’s affordability in court.

✅ Examples: Bank statement loans, investor cash-flow loans (DSCR), loans for borrowers with recent credit events (like bankruptcy or foreclosure), jumbo loans outside agency guidelines.

Non‑qualified mortgages are gaining ground as self‑employed, investor and foreign‑national borrowers seek flexible financing. See how non‑QM loans could hit 30% of non‑agency MBS in 2025 and how originators can capitalize with bank‑statement, DSCR and asset‑depletion programs.

02/26/2025

09/20/2024

09/18/2024

To know John Markman is to love John Markman. Can we get an amen?! Happy birthday today to our fearless team leader!! If you know John, you know he is a man of faith who deeply cares for others, is a devoted husband and father, loves to have fun, and possesses extensive knowledge and experience as a mortgage lender. We think the world of you, John!!! 🥳🥳🥳

05/24/2024

Freedom isn’t free. We remember and honor those who have given their lives and service for our country and the freedoms that we have. We are grateful!

05/22/2024

Thanks Heartland BNI! We couldn't agree more.

If you know or have worked with Austin Phillips, show him some love in the comments! 👇👇

It was great to have Austin Phillips with The Markman Team at Fairway Mortgage as our featured speaker today, offering valuable insights in the Mortgage industry.

Definitely recommend getting in touch with Austin for any of your home buying and mortgage needs!

04/18/2024

🚨 Calling all clients, partners and friends: join us THIS SATURDAY, April 20th, from 8-11am and come toss your junk, donate some treasures, and the best part? DONUTS. 🍩 🍩 🍩 (Can you tell Abbie is writing this? Caught me!) Just another way we love to support our clients for the long haul. 🏡 Comment below 👇🏻 if we’ll see you there!

10/14/2023

This place - amazing! Jesse Taitt