John Herman Changaris Mortgage Broker

John Herman Changaris Mortgage Broker As a mortgage loan originator, I work hard to shop and compare competitive home loan options. Whether you're

Welcome to Motto Mortgage Flex, your trusted mortgage brokerage in Louisville. We specialize in personalized home loan solutions and connect you with a wide network of wholesalers to ensure a transparent and efficient financing experience.

Happy Labor Day! ☀️Today we’re celebrating hard work, dedication, and drive. To the go-getters and problem solvers – esp...
09/07/2026

Happy Labor Day! ☀️
Today we’re celebrating hard work, dedication, and drive. To the go-getters and problem solvers – especially in the mortgage world – thank you!

We hope you take a moment to relax and celebrate all that you’ve accomplished.

09/03/2026

🏡 SELLING ONE HOUSE AND BUYING ANOTHER? READ THIS BEFORE YOU MOVE.

Here's something people don't always think about:

You're not dealing with ONE transaction.

You're dealing with TWO—and the timing matters.

Sell too early? Great, your house is sold…but where are you living while you wait for the next one? Where's your furniture going? Now we're talking temporary housing, storage and potentially moving twice.

Buy too early? Congratulations, you've got the keys! 🔑

But your old house hasn't sold.

Depending on how everything is structured, you could potentially be carrying TWO housing payments for a period of time.

Neither one automatically makes the move wrong.

It just means we need a PLAN.

After 15+ years in the mortgage business, I've learned that getting someone approved is only one piece of this puzzle.

Your lender needs to understand the financing.

Your agent needs to understand the timing.

And YOU need to know what happens if everything doesn't close on the exact day we hoped it would.

That's why I want these conversations happening BEFORE you're two weeks from closing and everybody is scrambling.

The goal isn't just to sell THIS house.

It isn't just to buy THAT house.

🏡➡️🏡 The goal is getting YOU from this home into the next one as smoothly as we can.

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

Let's run the numbers, talk through the timing and build the plan BEFORE the FOR SALE sign hits the yard.

👇 Start here:
https://mottomortgage.com/offices/flex-louisville/john-changaris

📞 502-515-8749

I'm John the Mortgage Man.

Plan the move. Control the timing. Then go get the keys. 🔑

John Changaris | Vice President
Motto Mortgage Flex
NMLS #246063 | Company 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. Equal Housing Opportunity.

09/02/2026

🏡 **Your house has $150,000 in equity. Great. But how much of that money are you actually going to have to buy the NEXT house?**

This is a conversation I have with homeowners all the time.

They know what their house is worth. They know roughly what they owe. So naturally, they subtract the two and think:

**“That's what I'll have for the next house.”**

Not quite.

Before we start building your next purchase around that number, let's figure out what you're actually working with.

Start with the expected sales price of your home.

Subtract your mortgage payoff.

Then account for the applicable costs of selling and closing the property—things like commissions, title or settlement charges, taxes, concessions, repairs, or other transaction costs that may apply to your sale.

What's left?

**That's the number I care about: your estimated net proceeds.**

And THAT is where I want to start when we're talking about the next house.

I've been doing mortgages for more than 15 years, and I've seen what happens when people start making big decisions based on what they THINK they'll have instead of sitting down and running the numbers first.

You may have more flexibility than you thought.

You may have less.

Either way, I'd rather know BEFORE you're under contract.

So if you're sitting in a house with equity and you've been thinking:

**“Maybe it's time for the next one…”**

Let's talk.

Give me a shot at earning your business.

We'll look at what you owe, what you may reasonably expect from the sale, your estimated net proceeds, and what the next purchase could look like.

No guessing. Let's put the numbers on paper.

👇 **Start your application with me here:**

https://mottomortgage.com/offices/flex-louisville/john-changaris

Or call me directly: **502-515-8749**

🔑 **Know your numbers. Then make your move.**

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

*Not a commitment to lend. Loan approval is subject to credit approval, underwriting requirements, applicable program guidelines and property eligibility. Programs, terms and availability are subject to change. Equal Housing Opportunity.*

Home is a comfort for every member of the family.Give them the space to stretch out, settle in, and truly feel at home.L...
09/01/2026

Home is a comfort for every member of the family.
Give them the space to stretch out, settle in, and truly feel at home.

Looking for a place the whole family (even the furry ones) will feel at home? Reach out to get pre-qualified.

09/01/2026

🏡 **WAIT… you might NOT have to sell your current house before buying your next one.**

A lot of homeowners assume:

“I have to sell this house FIRST… then I can buy another one.”

**Maybe. But maybe not.**

Before you put the FOR SALE sign in the yard, let's run the numbers.

Here are a few things I want to know:

👉 Can you qualify while carrying both homes?

👉 Do you need the equity from your current home for the next down payment and closing costs?

👉 Could available assets, a HELOC, bridge financing, or another eligible strategy make sense?

👉 Are you selling the current house, keeping it, or possibly turning it into a rental?

Those answers can completely change the plan.

After 15+ years in the mortgage business, I've learned something important:

**There isn't one perfect way to move from one home to another.**

Sometimes selling first makes sense.

Sometimes buying first may be an option.

And sometimes we run the numbers and find an option you didn't know you had.

That's where I come in.

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

You don't need to have everything figured out.

You don't even need to have the next house picked out yet.

Let's start with the numbers and build the plan from there.

🔑 **You don't necessarily need to SELL first. You need to PLAN first.**

📲 **Ready to see what your options could look like?**

Start here — **link in bio** — or call me directly at **502-515-8749**.

**John Changaris**
Vice President | Motto Mortgage Flex
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 and terms are subject to change. Equal Housing Opportunity.*

08/31/2026

🏡 **Thinking about moving? Before you put the FOR SALE sign in the yard… know where you're going next.**

I see people get this backwards all the time.

They get excited. They call an agent. They start getting the house ready. Maybe they even list it.

Then somebody finally asks:

**“Okay… how are we buying the next house?”**

That conversation should happen FIRST.

Before you sell, I want you to know 3 things:

1️⃣ **What can you comfortably afford on the next home?**

2️⃣ **How much of your current home's equity do you expect to need for the next purchase?**

3️⃣ **How are we going to coordinate the sale, purchase and financing so all the pieces work together?**

There isn't one perfect answer for everybody.

You may need to sell first.
You may be able to buy first.
You may want to keep your current home.
Or we may find another strategy once we actually run the numbers.

**That's why we make the plan BEFORE we make the move.**

If you're even THINKING about moving, don't wait until you've already found the next house.

👇 **Start here. Fill out my application and let's look at the numbers together:**

https://mottomortgage.com/offices/flex-louisville/john-changaris

No guessing. No putting the cart before the horse.

**Let's build the plan first. Then make the move. 🔑**

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

*This is not a commitment to lend. All loans are subject to credit approval, underwriting requirements, program guidelines and property eligibility. Terms and conditions are subject to change. Equal Housing Opportunity.*

08/28/2026

🏡 YOU FOUND THE HOUSE… NOW STEP AWAY FROM THE COUCH. 😂🛋️

You’re under contract.

Naturally, your brain immediately says:

“New house = new couch.”
“New couch = new TV.”
“New TV = new credit card with 0% financing!”

🚨 STOP RIGHT THERE.

Before closing on your mortgage, opening new credit can create problems you weren't expecting.

1️⃣ New credit can create a new monthly payment.

2️⃣ That payment can change your debt-to-income ratio and potentially affect your loan qualification.

3️⃣ Your credit and debts may be checked again before closing. That brand-new account may need to be reviewed before we can finish your loan.

And yes… even the “NO PAYMENTS FOR 12 MONTHS!” deal can matter. 😬

My advice?

🔑 GET THE KEYS FIRST.
🛋️ THEN BUY THE COUCH.

Your living room can survive being empty for another 48 hours. 😂

Have a mortgage question before you make a financial move? Call me first. I'd much rather answer the question before than try to fix the problem afterward.

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

Each Office is Independently Owned, Operated and Licensed.

08/28/2026

**THE MORTGAGE MARKET IS ABOUT MORE THAN “THE FED CUTTING RATES.”**

If you want to understand where mortgage rates may be heading, you have to look deeper into the bond market—specifically Mortgage-Backed Securities (MBS), Treasury yields, inflation expectations, liquidity, and the Federal Reserve’s balance sheet.

Right now, we’re in an interesting transition.

The Fed spent years using **Quantitative Tightening (QT)** to remove liquidity and shrink its securities portfolio after the massive Quantitative Easing (QE) programs of the previous cycle.

Why does that matter for mortgages?

During QE, the Fed became an enormous buyer of Treasuries and Agency MBS. That additional demand helped push bond prices higher, yields lower, and ultimately helped compress mortgage rates.

The opposite happens when that support is removed.

Today, the Federal Reserve still holds roughly **$1.9 TRILLION in Mortgage-Backed Securities**, so what happens with that portfolio matters to the mortgage market.

But MBS don't trade in a vacuum.

I’m watching several things closely:

• **Inflation:** Persistent inflation keeps pressure on longer-term yields.

• **The 10-Year Treasury:** Mortgage rates aren't tied directly to the Fed Funds Rate. The 10-year Treasury and the broader yield curve are much better indicators of where mortgage pricing pressure is coming from.

• **MBS Spreads:** Even if Treasury yields decline, mortgage rates don't necessarily fall by the same amount. Investor demand, volatility, prepayment risk, and MBS spreads matter.

• **Federal Reserve Policy:** A Fed rate cut is NOT the same thing as Quantitative Easing. The Fed can lower the overnight rate while still maintaining a very different balance-sheet policy.

• **Liquidity & Treasury Supply:** The amount of government debt hitting the market and who is willing to absorb that supply can significantly influence longer-term yields.

So where does this leave us?

I believe we're entering a market where rates could eventually find room to improve, but the path is unlikely to be a straight line down.

For mortgage rates to make a **sustained** move lower, I want to see several pieces working together:

Cooling inflation.
Lower long-term Treasury yields.
Healthy investor demand for MBS.
Tighter MBS spreads.
Less bond-market volatility.

And if we ever move back toward true **Quantitative Easing or meaningful MBS purchases**, that's an entirely different conversation because the demand side of the mortgage bond market changes dramatically.

That's why I'm not trying to predict one Fed meeting.

I'm watching the **bond market behind the mortgage market.**

There is a big difference.

**Mortgage rates are the end result. MBS, Treasuries, inflation, liquidity, and investor demand help tell us how we got there—and potentially where we're going next.**

John Changaris | NMLS #246063
502-333-5316
Motto Mortgage Flex
Motto Mortgage Flex
NMLS #1971873
830 S. 22nd St., Suite 2
Louisville, KY 40203

This is for informational purposes only and is not a commitment to lend or a guarantee of any specific interest rate, loan program, approval, or future market conditions. Interest rates and loan terms are subject to change and depend on individual borrower qualifications and other applicable factors.

💡 Pre-qualification and pre-approval sound similar, but they’re not interchangeable. Pre-qualification is a starting po...
08/19/2026

💡 Pre-qualification and pre-approval sound similar, but they’re not interchangeable.

Pre-qualification is a starting point, based on self-reported details. Pre-approval is a more thorough review of your finances, giving you a verified amount and making your offer on a home more competitive.

If you want to get a feel for what you can afford before shopping around, getting pre-qualified can help. If you’re serious about buying, pre-approval is the way to go.
Explore your options with confidence. Reach out to get started.

The word on the street is that you’re ready to find your purrrfect home. 🐱 Whether it’s a cozy corner for your cat naps ...
08/17/2026

The word on the street is that you’re ready to find your purrrfect home. 🐱

Whether it’s a cozy corner for your cat naps or a backyard for fetching fun, a Motto Mortgage professional is here to help. Ready to get started? Let’s chat about your goals.

Address

830 S 2nd Street, Suite 2
Portland, OR
40203

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Website

Alerts

Be the first to know and let us send you an email when John Herman Changaris Mortgage Broker 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 John Herman Changaris Mortgage Broker:

Shortcuts

Share

Category