John Herman Changaris Mortgage Broker

10/13/2026

From first meals to everyday routines, you'll always have a seat at the dinner table. 🍽️

A place to gather, to reconnect, to share what happened that day. The details change, but the purpose doesn't. Because no matter how much life evolves, there's always something meaningful about coming back to the same place and sitting down together.

Moments shared, memories made, for life.

Looking for a plae for friends and family to gather? Let's talk.

10/07/2026

Life doesn't stand still. It's a journey.
However your story unfolds, you deserve professional guidance that makes every step feel seamless, from city living to coastal sunsets to mountain views. We're with you for life.
Make your next move with confidence. Reach out to get pre-qualified.

10/02/2026

While life changes with the seasons, your home is the constant thread that weaves it all together. Find the place that can grow and change with you and your family, for life.

Ready to find a home for your chapters ahead? Reach out to learn more.

10/01/2026

YOU JUST GOT A NEW JOB.
BUT YOU HAVEN'T RECEIVED YOUR FIRST PAYCHECK YET.
Do you automatically have to wait to buy a house?
No.
And this is one of those mortgage guidelines I wish more people knew existed.
I'm John The Mortgage Man.
Let me make this simple.
Under specific Fannie Mae guidelines, certain borrowers may be able to qualify using income from a job they're scheduled to start in the future.
Let me give you an example.
You accept a new salaried position.
You're buying a one-unit primary residence.
Your new job starts 60 days after closing.
You haven't received a paycheck from that employer yet.
In the right situation, we may still be able to use that future fixed-base income to qualify you.
Here's what actually matters.
The employment offer or contract needs to meet the requirements.
We need to document things like:
The employer.
Your position.
Your rate of pay.
Your start date.
And under the applicable Fannie Mae option, the employment start date can be as late as 90 days after the note date.
There are also financial-resource or reserve requirements.
So this DOES NOT mean:
“I have a job offer, therefore I'm automatically approved for a mortgage.”
That's not how underwriting works.
The main point is this:
DON'T DISQUALIFY YOURSELF.
I've watched people wait because they assumed they needed months of paychecks from a new employer before they could even start talking about buying.
Sometimes they do.
Sometimes they don't.
Here's what we need to do next.
Send me the offer letter.
Let me look at the actual situation.
Then we'll know.
I'm John The Mortgage Man.
Give me a shot at earning your business.
John Changaris
Vice President
Motto Mortgage Flex
502-515-8749
NMLS #246063
Motto Mortgage Flex NMLS #1971873
830 S 2nd St, Suite 2
Louisville, KY 40203

Loan program, employment, income, reserve, documentation, underwriting and lender requirements apply. Individual circumstances vary. Not a commitment to lend. All loans are subject to credit approval, underwriting requirements, applicable program guidelines and property eligibility. Programs, terms and availability are subject to change. Each Office is Independently Owned, Operated and Licensed. Equal Housing Opportunity.

Can your parents give you money for a down payment on a house? Yes ...

09/23/2026

What you plant today can grow for years to come. 🌳
It can start small, but over time, it grows stronger, with deep roots and wide branches.
A home can take shape in the same way. It becomes a place to settle, standing firm as you continue to grow, for life.

Ready to put down roots with the right home? Reach out to get pre-qualified.

09/18/2026

Opening possibilities for our clients through clear communication, great service, honest expectations, and diligence—one purchase, one refinance at a time. 🏡🔑

Every client has a story. Every move has a purpose. My job is to listen, explain your options, and stay on top of the details so you understand what comes next.

Buying your first home, making your next move, or exploring a refinance? Let’s talk about what’s possible for you.

John Changaris | John the Mortgage Man
Vice President • Loan Officer | NMLS #246063
Motto Mortgage Flex | Company NMLS #1971873
📲 Call or text: 502-333-5316
Office: 502-515-8749
830 South 2nd Street, Suite 2, Louisville, KY 40203

Equal Housing Opportunity. Each office is independently owned, operated and licensed. Not a commitment to lend. All loans are subject to credit and property approval.

09/17/2026

The Fed raised rates, so mortgage rates went up the exact same amount.

Right?

NOPE.

I made this video today because I hear some version of this almost every time the Fed makes a move.

The Fed controls the federal funds rate.

It does NOT directly set your 30-year fixed mortgage rate.

If you really want to understand mortgage rates, you have to understand what’s happening in the bond market and especially mortgage-backed securities — MBS.

And quantitative easing is a great example.

During periods of QE, the Federal Reserve bought massive amounts of securities, including mortgage-backed securities. When a buyer that large enters the market, that additional demand can affect MBS pricing and put downward pressure on mortgage rates.

But here’s the part I really want people to understand:

The market is always looking AHEAD.

Inflation.
Economic growth.
Fed expectations.
Treasury yields.
MBS pricing.

All of it matters.

That’s why mortgage rates can move BEFORE the Fed does anything.

They can move AFTER the announcement.

And sometimes they can even move differently than you would expect from the Fed’s decision.

Fed funds and mortgage rates are connected.

They are NOT the same thing.

I’m John The Mortgage Man.

I don’t just watch what the Fed does.

I watch what the bond market does with it.

If you’re buying a house, refinancing, or trying to decide when to lock your rate, give me a shot at earning your business.

Let’s run the numbers.

John Changaris
Vice President | Motto Mortgage Flex
502-515-8749
NMLS #246063
Motto Mortgage Flex NMLS #1971873
830 S 2nd St, Suite 2
Louisville, KY 40203



Not a commitment to lend. All loans are subject to credit approval, underwriting requirements, applicable program guidelines and property eligibility. Programs, terms and availability are subject to change. Each Office is Independently Owned, Operated and Licensed. Equal Housing Opportunity.

09/16/2026

Can you buy a house with bad credit?

The answer depends on much more than a single credit score.

I'm John The Mortgage Man.

Credit is important when qualifying for a mortgage, but your complete situation can include your credit history, debts, income, assets, recent credit events, property, mortgage program and applicable underwriting requirements.

That's why I don't want someone deciding they can't buy a house simply because of a number they saw on a consumer credit app.

Let a mortgage professional look at the complete picture.

Maybe you're ready now.

Maybe you're not ready yet.

If you're not ready, let's figure out what needs to happen next.

If you're thinking about buying a home in Kentucky, give me a shot at earning your business.

Subscribe to John The Mortgage Man for straightforward information about mortgages, credit, FHA, VA, conventional financing, investing and home buying.

John Changaris
John The Mortgage Man
Vice President
502-515-8749
NMLS #246063

Motto Mortgage Flex
NMLS #1971873
830 S 2nd St, Suite 2
Louisville, KY 40203

Each Office is Independently Owned, Operated and Licensed.
Equal Housing Opportunity.

Educational information only. Not a commitment to lend. Loan approval, terms, eligibility and property eligibility are subject to applicable credit, underwriting, program and lender requirements.

09/16/2026

REALTORS — DON’T GIVE UP ON THAT CONDO DEAL YET.

Just because a condo is considered non-warrantable doesn’t automatically mean your buyer is out of options.

We now have additional financing options for certain non-warrantable condos PLUS a condo eligibility tool that can help us research the project early — potentially BEFORE your buyer goes under contract.

That can be a big deal.

Instead of finding out late in the transaction that there’s an issue with the condo project, give me a call before your client writes the offer.

We can look at the project, see what information is available, and start figuring out the financing path.

✅ Warrantable condos
✅ Non-warrantable condo options
✅ Condo project eligibility research
✅ Conventional, government and alternative financing options depending on eligibility

The goal: know more BEFORE your buyer is under contract.

Have a condo your client is considering?

Send it to me. Let’s look it up.

— John Changaris | John The Mortgage Man
Vice President | Loan Officer
Motto Mortgage Flex
📞 502-515-8749
830 S 2nd St Suite 2
Louisville, KY 40203

NMLS #246063
Motto Mortgage Flex NMLS #1971873

Program availability and eligibility vary by property, borrower, investor and lender guidelines. Condo project review and eligibility are not guarantees of loan approval. All loans are subject to credit approval, underwriting, property eligibility and applicable program guidelines. This is not a commitment to lend. Equal Housing Opportunity.

09/16/2026

I hear this more than you would think.

“My credit isn't good enough to buy a house.”

My first question is always…

Who told you that?

Because if you've never actually had someone look at your credit and your mortgage options, you might be making that decision yourself.

Credit absolutely matters.

But there is a whole lot more I want to know than one number you saw on your phone.

What happened?

When did it happen?

What's happened since?

What debts do you have?

What's your income?

What assets do you have available?

And what loan programs might fit your situation?

Sometimes I'll look at everything and say, “Let's go.”

Sometimes I'll say, “We're not ready yet.”

And I'm perfectly comfortable having BOTH conversations.

Because if we're not ready today, I'd rather help you understand why and what needs to happen next than have you spend another year assuming homeownership isn't possible.

Don't disqualify yourself.

Let me look at the whole picture.

If you're thinking about buying a home, give me a shot at earning your business.

I'm John The Mortgage Man.

John Changaris
Vice President
502-515-8749
NMLS #246063

Motto Mortgage Flex
NMLS #1971873
830 S 2nd St, Suite 2
Louisville, KY 40203

Each Office is Independently Owned, Operated and Licensed.
Equal Housing Opportunity.

Not a commitment to lend. All loans are subject to credit approval, underwriting requirements, applicable program guidelines and property eligibility. Programs, terms and availability are subject to change.

Can you buy a house with bad credit?The answer depends on much mo...