John Mills Residential Mortgages, Inc. NMLS# 1309923

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John Mills Residential Mortgages, Inc.  NMLS# 1309923 I finance your share of the American Dream.

"The Swiss Army knife of real estate financing:" conventional purchases & refinances, reverse mortgage, VA, FHA, first-time homebuyer, private money, commercial & non-QM loans.

Here's a window into my world.  This is a note I sent to a client this morning. Veronica Sun Real Estate Agent is the cl...
10/20/2026

Here's a window into my world. This is a note I sent to a client this morning. Veronica Sun Real Estate Agent is the client's real estate agent.

Hi First time home buyer I met at an open house -

It has been a month since we last connected.

I thought I would share a bit of what is happening in my world.
Realtor Veronica Sun and I have closed 2 purchases in the last 5 days, both in the South Bay.
Homes are being bought and sold.
Don't let the news you see online or on TV get you down.
Right now, it may not feel like it, but as a buyer, you have more leverage than you have had in a long time.
Sellers will negotiate and accommodate.

The higher interest rates are suppressing prices.
This is actually a time of opportunity.

If you are still interested in buying your first property, now is actually a very good time.
It may not feel like it, but it will be evident as time passes.

Let's connect or reach out to Veronica Sun and she can curate a list of properties that fit your wants, needs and expectations.

Best,
John

Unlock the savings you deserve! If you have good credit, it could mean lower mortgage rates and big financial benefits! ...
10/15/2026

Unlock the savings you deserve! If you have good credit, it could mean lower mortgage rates and big financial benefits! Curious if you qualify? Let's connect today.

John Mills
[email protected]
310-730-5689
NMLS # 1309923
DRE # 01987451

Speed = Certainty5 days from loan submission to "clear to close."16-day escrow....and we can close even faster if both p...
10/08/2026

Speed = Certainty

5 days from loan submission to "clear to close."

16-day escrow....and we can close even faster if both parties want to.

We are pretty speedy around here.

You want to buy a new house?

John Mills
[email protected]
310-730-5689
NMLS # 1309923
DRE # 01987451

08/26/2026

Real Estate & Mortgage update
Wednesday August 26, 2026

John discusses:
- interest rate climate
- current purchase market
- reverse mortgages to pay for in-home care

P.S. You can call me if you don't need a mortgage too!

John Mills
310-730-5689
[email protected]
NMLS # 1309923, DRE # 01987451

Did you know you could buy a home with as little as 3% down?* Give me a call and let's chat about your options.John Mill...
08/04/2026

Did you know you could buy a home with as little as 3% down?* Give me a call and let's chat about your options.

John Mills
South Bay Equity Lending
310-730-5689
[email protected]
NMLS # 1309923, DRE # 01987451

07/29/2026

It's tough to beat the feeling of buying your first home. Give me a call and get started on your path to celebrating.

John Mills
310-730-5689
[email protected]
NMLS # 1309923
DRE # 01987451

07/20/2026

Mortgage & Real Estate Market Update
July 20, 2026

John discusses:
- Current interest rates & inflation
- Purchase market opportunities & Buydowns
- Cash-out refinances
- Reverse Mortgages
- “You live in the world that your thoughts create.”

John Mills
[email protected]
310-730-5689
NMLS # 1309923
DRE # 01987451

Speed provides certainty.  My clients, my Realtor partner, the seller, the Listing Agent, the escrow company and the tit...
07/13/2026

Speed provides certainty. My clients, my Realtor partner, the seller, the Listing Agent, the escrow company and the title company all know that I delivered a fast loan approval and we are headed to the finish line! My team delivers speed, efficiency and certainty.

John Mills
[email protected]
NMLS # 1309923
DRE # 01987451

Certainty.  My clients are in escrow on a single-family home.  The loan was submitted to underwriting this morning and w...
07/07/2026

Certainty. My clients are in escrow on a single-family home. The loan was submitted to underwriting this morning and was approved at 1:00 PM today. My team delivers speed, efficiency and certainty. In what may be the largest financial transaction of my clients' lives, there is no substitute for certainty.

John Mills
[email protected]
NMLS # 1309923
DRE # 01987451

Our weekly newsletter.  The South Bay Equity Lending weekly newsletter is a concise source of mortgage and real estate i...
06/26/2026

Our weekly newsletter. The South Bay Equity Lending weekly newsletter is a concise source of mortgage and real estate information. We also have fun with trivia and local events. If you would like me to add you to our newsletter distribution, please drop me a line and let me know.

Happy Friday and I hope you have a wonderful weekend!
- John

John Mills
[email protected]
310-730-5689
NMLS # 1309923
DRE # 01987451

Address

1611 S. Pacific Coast Highway, Suite 102
Redondo Beach, CA
90277

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 5pm

Telephone

+13107305689

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