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.

08/27/2026

There is a smarter way to think about home projects than just chasing the biggest one. A little know-how goes a long way when you are deciding where to spend. Which home project gave you the best bang for your buck?

Tell me in the comments. And if your next one is already on your mind, reach out and let’s talk it through.
https://myoc.io/a6nDhBNQudP/FbCmM



NMLS # 223928

08/26/2026

How well do you really know your monthly payment? A lot of people are surprised there's more going on than principal and interest. Taxes and insurance are part of the deal too.

If you want the full rundown of what your monthly payment includes, reach out to me today and we'll go through it together.
https://myoc.io/a6nDhBNQudP/zPJws



NMLS # 223928

08/24/2026

Rent math is not just about what you pay today. It is about how your housing costs fit into the way you save*, budget and plan ahead.

I can help you compare renting with buying so you can see what may make sense for your situation.
https://myoc.io/a6nDhBNQudP/XBvgP



NMLS # 223928

08/20/2026

The best part of owning is not the house. It is everyone you fit inside it. Your space, your people, your call on how the night goes. So tell me, what would you host first? Let me know in the comments below.

And whether you're ready to buy now or are just starting to think about it, I'm here to help you navigate the path home.
https://myoc.io/a6nDhBNQudP/Vhaf9



NMLS # 223928

08/19/2026

Your monthly housing payment is already part of your budget. The question is whether it could also support your future goals.

I can help you compare renting and owning so you can make a more informed decision.
https://myoc.io/a6nDhBNQudP/d4XbF



NMLS # 223928

Signed contracts dropped month over month in all four regions, though the Midwest was the only region to see a year-over...
08/18/2026

Signed contracts dropped month over month in all four regions, though the Midwest was the only region to see a year-over-year increase. That means your local market may tell a different story than the national trend, especially when it comes to available homes, competition and timing. A clear financing plan can help you understand your options before you make a move.

Let’s discuss what the latest pending home sales report could mean for your opportunities ahead.
https://myoc.io/a6nDhBNQudP/cfcZQ



NMLS # 223928

08/17/2026

Your mortgage was built around your life at closing. But life keeps moving, and sometimes it's worth checking whether your mortgage has kept up. Refinancing is one option, though it's not the only one, which is exactly why a quick conversation makes it clearer. No pressure, just clarity when you want it.

Save this for when your situation shifts, and reach out anytime you're ready to talk.
https://myoc.io/a6nDhBNQudP/0Vrbn



NMLS # 223928

08/13/2026

You don’t need a W-2 to get a mortgage. Asset utilization lets qualified borrowers use liquid assets instead of traditional employment documentation.
That means savings, investment accounts, stocks, crypto, retirement accounts and bonds give you access to loans up to $5M, without liquidating your portfolio.

If you’re a retiree, investor or anyone who’s built wealth outside of a W-2, this is for you.
https://myoc.io/a6nDhBNQudP/gYfYt



NMLS # 223928

08/12/2026

So, did you crack it before the answer dropped? Property taxes love to keep you guessing. Every time your area reassesses, the number can move, which is why your monthly total sometimes shifts even when nothing about your loan has changed. Figuring out what is really behind those numbers is the fun part.

Drop your guess in the comments and let me know if you got it. Then reach out whenever you want to break it all down together.
https://myoc.io/a6nDhBNQudP/3UiLx



NMLS # 223928

Homeownership is often a long-term game. With lower existing-home sales driven by a stubborn mortgage rate, not only are...
08/11/2026

Homeownership is often a long-term game. With lower existing-home sales driven by a stubborn mortgage rate, not only are there more houses to choose from, but there are also sellers who may be starved for a deal. See how you could create a financial plan to come out ahead.
https://myoc.io/a6nDhBNQudP/8kko0



NMLS # 223928

Address

195 W SR 89A
Sedona, AZ
86336

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