Michelle Johnston Loans and Mobile Notary

Call Website Contact the business

Michelle Johnston Loans and Mobile Notary Senior mortgage loan officer and mobile notary.

The equity built in a home can be a powerful tool. Options like a cash-out refinance or a home equity line of credit (HE...
10/24/2026

The equity built in a home can be a powerful tool. Options like a cash-out refinance or a home equity line of credit (HELOC) can help fund renovations, consolidate higher-interest debt or cover major expenses. Each option has its own costs and considerations, and both are secured by your home, so it pays to compare rates, fees and repayment terms before choosing.

Family wants to help with the down payment? Many loan programs allow gift funds from relatives toward a down payment and...
10/22/2026

Family wants to help with the down payment? Many loan programs allow gift funds from relatives toward a down payment and closing costs. A signed gift letter and a clear paper trail for the transfer are usually required, and who can give and how much generally depends on the loan program. Sorting out the details before any money moves keeps things smooth.

An appraisal that comes in lower than the purchase price does not have to end the deal. Options can include renegotiatin...
10/17/2026

An appraisal that comes in lower than the purchase price does not have to end the deal. Options can include renegotiating the price, covering the difference, requesting a reconsideration of value through the lender or, depending on your contract, walking away. Knowing these options ahead of time makes it easier to act quickly if the value comes in short.

Happy Columbus Day! Whether it’s your first home or your next one, the journey is smoother when you know your budget and...
10/12/2026

Happy Columbus Day! Whether it’s your first home or your next one, the journey is smoother when you know your budget and financing options before you start looking.

A refinance could help lower your monthly payment, shorten your loan term, switch from an adjustable rate to a fixed rat...
10/10/2026

A refinance could help lower your monthly payment, shorten your loan term, switch from an adjustable rate to a fixed rate, or tap into your home equity. Curious whether the numbers make sense right now? It depends on your current rate, how long you plan to stay in the home, and the closing costs of refinancing.

Saving for a down payment is one of the biggest hurdles for many buyers. The good news? Down payment assistance programs...
10/08/2026

Saving for a down payment is one of the biggest hurdles for many buyers. The good news? Down payment assistance programs may help, and they can come as grants, forgivable loans, or low-interest second loans. Eligibility generally depends on income, purchase price, location, and sometimes a homebuyer education course. Some assistance may need to be repaid if you sell or refinance within a set period, and not every lender works with every program, so ask which ones fit your loan.

They sound similar, but they're not always the same. Lenders use these terms a little differently, but a pre-qualificati...
10/03/2026

They sound similar, but they're not always the same. Lenders use these terms a little differently, but a pre-qualification is generally a quick estimate based on the information you share. A pre-approval, by contrast, typically includes a review of your credit, income, and assets. When it's time to make an offer, a pre-approval usually carries more weight with sellers.

Need a mortgage above the conforming loan limit in your area? A jumbo loan can finance higher loan amounts, though it of...
09/30/2026

Need a mortgage above the conforming loan limit in your area? A jumbo loan can finance higher loan amounts, though it often comes with stricter credit, down payment and reserve requirements. The right preparation goes a long way. Let's review your options and find the best fit.

Good credit opens doors. Great credit can lower payments.A higher credit score often means access to better interest rat...
09/26/2026

Good credit opens doors. Great credit can lower payments.

A higher credit score often means access to better interest rates, and even a small rate difference can add up to real savings over the life of a loan. Credit can also affect costs like mortgage insurance.

A few habits that help build a stronger score:

✔️ Paying every bill on time
✔️ Keeping credit card balances low
✔️ Avoiding new credit applications before buying a home
✔️ Checking credit reports for errors

Thinking about buying or refinancing? Reach out to see where things stand and what options are available.

Your home is more than a place to live. It may also be one of your biggest financial assets.Equity is the difference bet...
09/24/2026

Your home is more than a place to live. It may also be one of your biggest financial assets.

Equity is the difference between your home's value and what you still owe on it. It builds over time as you pay down your mortgage and as your home's value grows.

That equity can open up options like:
✔️ Consolidating higher-interest debt
✔️ Funding home renovations or upgrades
✔️ Helping with a down payment on an investment property
✔️ Covering major expenses like education costs

Curious how much equity you've built? Reach out anytime to explore your options.

Address

7031 Koll Center Parkway, Suite 190
Parkway, CA
94566

Telephone

+19257841169

Website

Alerts

Be the first to know and let us send you an email when Michelle Johnston Loans and Mobile Notary posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Michelle Johnston Loans and Mobile Notary:

Shortcuts

Share

Category