Michael Johns at Guaranteed Rate

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

10/22/2026

When buying a home, knowledge is power. If you know the numbers, you can set yourself up for success from day one. That’s where a pre-approval comes in, giving you the direction you need to house-hunt with confidence.

I’m here to help you explore your options whenever you’re ready to take the first steps toward homeownership.
https://myoc.io/a6nDhBNQudP/K4PpY



NMLS # 223928

Signed contracts slowed across the country in September, with pending home sales down 7.3% from the month before. As ris...
10/20/2026

Signed contracts slowed across the country in September, with pending home sales down 7.3% from the month before. As rising rates keep some buyers waiting, prepared buyers may find more options and less competition. Want to know how to make the most of this market?
https://myoc.io/a6nDhBNQudP/5yNQ3



NMLS # 223928

10/19/2026

When it comes to evaluating a mortgage, there’s more to it than a single number. I’m here to help you understand all the moving parts and how they fit together to create a custom financial plan.

So, are you an interest rate expert? Let me know in the comments.
https://myoc.io/a6nDhBNQudP/MQcPq



NMLS # 223928

10/15/2026

Ready for your mortgage vocabulary lesson of the day? A loan estimate helps break down the important details about your financing options so you have everything in one organized place.

Learn more must-know mortgage lingo in our guide or reach out to talk through the details.
https://myoc.io/a6nDhBNQudP/ePo53



NMLS # 223928

The latest housing data showed mixed results. Sales increased in the South and West regions, held steady in the Midwest ...
10/14/2026

The latest housing data showed mixed results. Sales increased in the South and West regions, held steady in the Midwest and declined in the Northeast compared to August. All four regions showed a year-over-year decline in sales, but many buyers are still entering contracts and available inventory is up to 1.60 million homes.

Let’s talk if you’re looking to head to the offer table with some serious leverage.
https://myoc.io/a6nDhBNQudP/TWhKA



NMLS # 223928

10/12/2026

Beware of the maxed-out credit card monster. High credit card balances could increase your credit utilization, which may affect your credit score, and ultimately, your mortgage qualification.

When you’re approaching closing, watch your spending and avoid giving this homebuying horror anything else to feed on.
https://myoc.io/a6nDhBNQudP/Rn0P1



NMLS # 223928

10/08/2026

If your house goes bump in the night, don’t worry. It might just be doing its job. While these sounds are usually perfectly normal, the best way to be sure is by being proactive about routine maintenance.

Check our guide to help you get your home ready for fall … and the trick-or-treaters.
https://myoc.io/a6nDhBNQudP/tkz8P



NMLS # 223928

10/06/2026

Your growing home wish list may be trying to tell you something. If home improvements are becoming part of your plan, your home equity may be able to help you fund those projects.

Let’s talk through your goals and the financing options worth exploring, like a Home Equity Line of Credit (HELOC).
https://myoc.io/a6nDhBNQudP/MP8Re



NMLS # 223928

10/05/2026

Running multiple businesses, or juggling income that shifts by the month or the client? Standard income documentation doesn't always fit that. For eligible business owners, a current 12-month profit and loss statement (P&L) may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's talk about your situation.
https://myoc.io/a6nDhBNQudP



NMLS # 223928

10/01/2026

Buying a home isn’t one-size-fits-all. The truth is, the perfect time to buy looks different for everyone. Instead of trying to time the market, talk to me so we can start with your personal goals and financial outlook.

I can help you evaluate your situation against the market to find the timing that makes the most sense for you.
https://myoc.io/a6nDhBNQudP/BjYri



NMLS # 223928

Address

195 W SR 89A
Sedona, AZ
86336

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