Johnson Mortgage Group

Johnson Mortgage Group Helping people finance their dream homes. Loan Officer of Johnson Mortgage Group, powered by Gershman Mortgage.

NMLS #1587399
Bilingual mortgage team �
Office: 417-888-0320
Gershman Mortgage NMLS #1368063
Equal Housing Lender Kyle Johnson is a dedicated loan officer based in Springfield, MO, his lifelong home. Initially starting his career as an insurance agent, Kyle transitioned into the mortgage sector where he discovered his true passion. As a people person, he possesses a profound understanding of all

loan programs offered by Gershman Mortgage, specializing in USDA, VA, FHA, and Conventional loans. Kyle enjoys educating both borrowers and agents on the intricacies of various loan options and finds immense satisfaction in helping first-time home buyers.

I get asked a lot why someone should work with a local lender instead of just going with whoever pops up first online ch...
08/28/2026

I get asked a lot why someone should work with a local lender instead of just going with whoever pops up first online chasing a rate.

Here's the honest answer. I'm in Springfield, and a good chunk of my business comes from people buying here. I know and have built relationships with the realtors, insurance agents, inspectors and appraisers. When something gets weird on a file, and something almost always gets a little weird, I'm not filing a support ticket into a call center somewhere. I'm walking down the hall to chat with our Underwriters who I've worked with for years.

That's not something a big online lender can replicate no matter how good their app looks. If you're buying in southwest Missouri, that local knowledge is doing more work for you than you probably realize.

Kyle Johnson | Loan Officer
M: 417-576-6698 | W: kjohnson.gershman.com

Most buyers assume their real estate agent and their lender only talk when something's wrong. In reality, the best part ...
08/21/2026

Most buyers assume their real estate agent and their lender only talk when something's wrong. In reality, the best part of my day is when an agent calls just to strategize on how to get their client's offer accepted.

I was at a showing recently and the agent asked me to run new numbers on the spot because the buyers found a house they loved that was fifteen thousand over what they'd planned. We had an updated number back to them before they even left the driveway.

That's the version of this job that actually helps people buy the house they want, not just the house that fits an old budget. A good lender and a good agent aren't working two separate jobs. We're working the same one, from two different seats.

Kyle Johnson | Loan Officer
M: 417-576-6698 | W: kjohnson.gershman.com

A lot of people put off calling me because they're scared of what pulling their credit is going to show them.I get it. N...
08/14/2026

A lot of people put off calling me because they're scared of what pulling their credit is going to show them.

I get it. Nobody wants a stranger to see the full picture. But here's what actually happens when we run it:

- I'm not judging a score, I'm looking for the path that gets you approved
- A late payment from two years ago rarely tanks anything
- We can usually see quick wins, like a balance to pay down before you apply, that move your number in weeks, not years

The people in Springfield who wait the longest to call me are almost always the ones who had the least to worry about. Checking it isn't the scary part. Avoiding it is what actually costs you time.

Kyle Johnson | Loan Officer
M: 417-576-6698 | W: kjohnson.gershman.com

I've sat across from a lot of couples and I can usually tell within the first five minutes who's the saver and who's the...
08/07/2026

I've sat across from a lot of couples and I can usually tell within the first five minutes who's the saver and who's the spender.

One wants to be cautious.
One wants to go for it.
Both of them are trying to protect the same family, just in different ways.

I don't take sides in that conversation. My job is to lay out the real numbers so you're not debating a guess.

What can you actually afford comfortably.
What the payment looks like at a few different price points.
Where the flexibility actually is, and where it isn't.

Money conversations with a partner are never really about the spreadsheet. They're about feeling like you're on the same team. My job is just to make sure you have the facts to have that conversation, instead of having it in the dark.

Kyle Johnson | Loan Officer
M: 417-576-6698 | W: kjohnson.gershman.com

I had a client call me last week and start the conversation with "I feel kind of silly even asking this." They bought th...
07/31/2026

I had a client call me last week and start the conversation with "I feel kind of silly even asking this." They bought their first house four years ago. Since then, two kids, a home office they don't have, and a garage packed to the ceiling.

The house that felt perfect once doesn't fit anymore, and they were almost embarrassed to admit it.

I hear some version of that constantly here in Springfield. People think moving up means starting completely over, like everything from the first home disappears the second you sell it. It doesn't. Every payment, every year you lived there, comes with you into the next one.

If the walls feel like they're closing in, that's not a sign you did something wrong the first time. It's just a sign you're ready for the next one. That's a conversation worth having before you assume it's out of reach.

Kyle Johnson | Loan Officer
M: 417-576-6698 | W: kjohnson.gershman.com

"Absolutely Great customer service. It is incredibly relieving to work with someone you know you can trust and depend on...
07/03/2026

"Absolutely Great customer service. It is incredibly relieving to work with someone you know you can trust and depend on."

That word. Relieving.

Buying a home is one of the biggest financial decisions you will ever make, and the process can feel overwhelming fast. My job is to make sure it does not feel that way.

Breaking things down clearly, being available when you have questions, and making sure you actually understand what is happening at every step. That is what I am here for.

If you are thinking about buying in Springfield, Missouri, let's make this feel a whole lot more manageable.

Kyle Johnson | Loan Officer
M: 417-576-6698 | W: kjohnson.gershman.com

A pre-approval letter is not a guarantee.It means a lender looked at your income, your credit, and your debt and said, "...
06/26/2026

A pre-approval letter is not a guarantee.

It means a lender looked at your income, your credit, and your debt and said, "based on what we see right now, you're good."

That last part matters. Right now.

Because between the day you get that letter and the day you sit down at the closing table, a lot can happen. A new car loan. A job switch. A big purchase on credit. Even applying for a new credit card can move the needle.

Lenders do a final check before closing. If your financial picture looks different than it did on day one, your loan can be affected, sometimes delayed, sometimes worse.

I tell every buyer I work with in Springfield the same thing: once you're under contract, keep your finances as still as possible. No big moves. No big purchases. When in doubt, call me first.

Getting pre-approved is the exciting part. Protecting it is the part that actually gets you to the finish line.

Kyle Johnson | Loan Officer
M: 417-576-6698 | W: kjohnson.gershman.com

One number matters more than most people realize when you are buying a home, and it is not your credit score!It's your d...
06/19/2026

One number matters more than most people realize when you are buying a home, and it is not your credit score!

It's your debt-to-income ratio. DTI for short.

All it means is this: how much of your monthly income is already going toward debt payments? Car payment, student loans, credit cards, that kind of thing.

Lenders look at this to figure out how much house you can actually afford without stretching yourself thin.

Generally speaking, the lower that number is, the more flexibility you have. And there are things you can do before you apply to bring it down if it's running high.

This is usually one of the first things I walk people through in Springfield when they come to me ready to buy. It only takes a few minutes to get a clear picture of where you stand!

I'm here to help when you're ready to take the next step.

Kyle Johnson | Loan Officer
M: 417-576-6698 | W: kjohnson.gershman.com

Three days before you close on a home, you get a document called the Closing Disclosure.Most people sign it, set it asid...
06/12/2026

Three days before you close on a home, you get a document called the Closing Disclosure.

Most people sign it, set it aside, and show up to the table.

Here's what I tell every single buyer I work with: read it!!

That document tells you exactly what you are paying, what your loan terms are, and how those numbers compare to what you were originally quoted. If something shifted and nobody told you, that's where you'll find it.

You have three days for a reason. Use them. And if something looks off, call your lender before you sign. We're here to help you, not leave you in the dark!

Kyle Johnson | Loan Officer
M: 417-576-6698 | W: kjohnson.gershman.com

05/22/2026

Something I tell people all the time, and I've been saying it for nearly three decades now, is that every month you rent is a month someone else is building equity and it's not you. That's not meant to make you feel behind. It's just the truth, and I think you deserve to hear it plainly.

Spring is one of the most active times of year in the Springfield real estate market, and right now there are loan programs, down payment assistance options, and closing cost resources that a lot of buyers don't even know exist. Part of my job is making sure you know what's available to you before you assume you can't afford it.

If buying a home has been on your mind this spring, let's sit down and talk through your options. You might be a lot closer than you've been told.

Kyle Johnson | Loan Officer
M: 417-576-6698 | W: kjohnson.gershman.com

Address

1557 E. Primrose Street Suite 100
Springfield, MO
65804

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+14178814739

Website

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