Michael Johns at Guaranteed Rate

Michael Johns at Guaranteed Rate I am a VP of Mortgage Lending at Guaranteed Rate Affinity. NMLS # 223928. Guaranteed Rate Affinity NMLS # 1598647.

06/04/2026

Closing costs aren’t one-sided. They’re shared across the transaction and can shift based on how the deal comes together. Understanding that early helps you plan with more confidence and fewer hiccups regarding costs when you’re closing. Reach out and we can work through your options.
https://myoc.io/a6nDhBNQudP/VAxOM



NMLS #223928

06/01/2026

June is National Homeownership Month. You’ve already made the right move to buy. And now your home is a powerful investment that’s built equity over time. But have you put it to work for you? It could help you make big moves like renovating, consolidating debt or planning that next big thing.

See how to tap into your equity and set your other plans in motion: http://ms.spr.ly/6189vbVNW

05/28/2026

Mortgage points can help shape your monthly payment, but they also require upfront investment. I’ll help you understand how that tradeoff plays out and make sense of the terms along the way so you can move forward with confidence.

Learn more: http://ms.spr.ly/6188vZJRA

05/27/2026

The 20% down myth stops more buyers than it should. If you’ve been waiting to hit that number, it might be time for a rethink.

Let’s look at your situation and see what may be possible: http://ms.spr.ly/6183vkl4V

05/25/2026

This Memorial Day is a time to remember those who made the ultimate sacrifice. Their memory carries forward.

05/21/2026

You've earned every benefit that comes with your service. A VA loan could help you buy or refinance* with flexible options and potential savings**. Let's talk today.

Learn more: http://ms.spr.ly/6183vVPj7

If you’re on the hunt for a new home, I’m here to help you make the most of this news. Here’s the gist: home prices are ...
05/19/2026

If you’re on the hunt for a new home, I’m here to help you make the most of this news. Here’s the gist: home prices are rising and supply remains somewhat limited. This could affect your timeline, so give me a shout about what this means for your homebuying options.

Learn more: http://ms.spr.ly/6189vpzif

05/18/2026

Underwriting is often misunderstood because it happens behind the scenes. In reality, it’s just a review of your financial details and the home before final approval. Once you know that, the process feels far more certain. I’m here to help you make sense of it at every step.

http://ms.spr.ly/6187vTPbL

05/14/2026

The best homes don’t just look good, they fit how you want to live. When your space aligns with your day-to-day, everything else starts to fall into place. I’ll help you turn that into a plan you can move forward with.

Explore your options: http://ms.spr.ly/6187vRH3v

05/13/2026

If your wealth is in crypto, qualifying for a mortgage hasn’t always been straightforward. That’s changing. With RateFi, your crypto may help support qualification without requiring you to sell, giving you more asset freedom as you move toward homeownership.

Let’s connect and walk through your options: http://ms.spr.ly/6188vueKo

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195 W SR 89A
Sedona, AZ
86336

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