John K. Martin NMLS 276442 - RWM Home Loans

John K. Martin NMLS 276442 - RWM Home Loans Residential Wholesale Mortgage, Inc. DBA RWM Home Loans is licensed by the CA DRE. https://www.nmlsconsumeraccess.org/ John is married and the father of two sons.

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. After retiring from the military after 22 years as a Marine, John Martin got his real estate license and entered the field of mortgage lending. He wanted to help others experience the excitement he felt when he purchased his first home. Since 2004, John and his team have helped

countless homebuyers achieve their dreams by helping them secure VA, FHA and conventional loans. Personalized service is a hallmark of the practice; clients have a direct line to John and he always makes himself available for them. Documents are hand-delivered and communication is king, whether a transaction is ongoing or information is requested regarding mortgage products. For more information on your loan options take action and give me a call. We are always ready to provide the service you need to get started. CA BRE #01707701
NMLS #276442

09/08/2026

Money: Why you should consider a rate lock-in when securing your home loan
When I think back to my own first home purchase, I remember wishing I’d known more about the options available—especially when it comes to securing the best possible mortgage rate. That’s why I want to highlight the value of a rate lock for anyone navigating the home loan process. Locking in your mortgage interest rate typically secures it for 30 to 90 days, offering peace of mind if market rates start climbing. While there may be a fee involved, some lenders allow you to take advantage of a lower rate if they drop during your lock period. It’s important to remember, though, that your loan must close before the lock expires to guarantee that rate. These details can make a real difference in your experience, and my goal is always to make the process smoother and less stressful for every homebuyer.

09/07/2026

Reverse Mortgages: Should Retirees Consider One?
In my years helping buyers navigate the loan process, I’ve seen firsthand how challenging it can be when traditional mortgages aren’t accessible—especially for those looking at lower-cost homes, manufactured properties, or older fixer-uppers. According to recent research, 715,000 land contracts have been recorded nationwide. These seller-financing options often become the go-to when buyers can’t qualify for a mortgage, but they typically offer fewer legal protections and more uncertainty for families. The findings were clear: when borrowers have better access to affordable mortgage products, fewer turn to land contracts, which means safer and more transparent financing options are available. Expanding small-mortgage programs, modernizing the way we title manufactured homes, and making renovation loans more accessible could open up more doors for buyers and ensure more homes meet traditional lending criteria. Since land contracts will remain a part of the landscape, it’s also important to push for stronger recording requirements and clearer standards to protect buyers. My goal has always been to guide you toward secure, sustainable homeownership—because the right loan can make all the difference in your journey.

09/06/2026

Happy Labor Day!

Commercial, Multifamily Borrowing Up 16% in Q2 2026As someone who’s seen the lending landscape shift over the years, I a...
09/05/2026

Commercial, Multifamily Borrowing Up 16% in Q2 2026
As someone who’s seen the lending landscape shift over the years, I always keep an eye on the trends impacting both commercial and multifamily markets. In Q2 2026, commercial and multifamily lending jumped 16% compared to last year—a clear sign of renewed momentum, especially in office and retail sectors where loan originations are leading the way. Industrial lending saw a significant 38% increase over the previous quarter, while health care property originations dipped by 19%. These figures are more than just numbers—they reflect the evolving opportunities and challenges facing borrowers and investors alike. Just as I work to make the mortgage experience easier for homebuyers, I’m committed to staying informed on every facet of the lending world to serve my clients with care and clarity.
https://www.housing-trends.com/agent-news/john-martin-6/1923142-Commercial%2C-Multifamily-Borrowing-Up-16%25-in-Q2-2026

09/04/2026

FHA Loans: How They Work

09/02/2026

United States: How USDA Loans Work

09/01/2026

Breaking down barriers to achieve the American dream: How first-time homeownership is possible
Let’s connect and talk about the latest insights in the industry!

08/31/2026

US HOA Costs Demand Closer Review

Address

11234 El Camino Real, Ste 100
San Diego, CA
92130

Opening Hours

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

Telephone

+17604206735

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