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.

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

I've been doing this for almost 10 years. And the one thing I want every first-time buyer in Springfield to hear right n...
05/15/2026

I've been doing this for almost 10 years. And the one thing I want every first-time buyer in Springfield to hear right now is this: you have more control over this process than you think.

Yes, rates fluctuate. That part is out of your hands.

But your credit profile, your debt-to-income ratio, the down payment assistance programs you qualify for, the grants that are sitting right now waiting to be used, those are all things we can work on together.

I've helped buyers who thought they were years away from being ready walk into a home they love because we focused on the right things. The market is always going to do what it does. Your financial picture is where we start.

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

You bought your first home and it made sense then. But that was a different season of life.Maybe you've got more kids no...
05/08/2026

You bought your first home and it made sense then. But that was a different season of life.

Maybe you've got more kids now. Maybe you're working from home and the walls feel like they're closing in. Maybe you've just built up enough equity that staying put actually costs you more than moving up.

I work with a lot of people in Springfield who don't realize how much buying power they've quietly accumulated over the last few years. What felt like a starter home has turned into one of the best financial moves they ever made, and now it's ready to work for them again.

If you've been thinking about it, let's run the numbers. You might be further along than you think.

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

Every spring I talk to people who say the same thing. "I'm just going to wait and see what rates do." And I get it, I re...
05/01/2026

Every spring I talk to people who say the same thing. "I'm just going to wait and see what rates do."

And I get it, I really do. But what I've learned after almost 10 years of helping people buy homes in Springfield is that the people who waited for the perfect rate, the perfect market, the perfect moment, are still waiting. Meanwhile, the people who focused on what they could actually control, their credit, their savings, their monthly budget, ended up buying a home and started building something real.

Rates move. They always have. But your life doesn't stop moving while you wait on them. If you're sitting in a rental right now wondering if this spring is finally your time, I'd love to just have a conversation. No pressure, no pitch. Just an honest look at where you stand and what's actually possible for you.

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

A lot of homeowners in Springfield are sitting on more money than they realize. Not in their savings account. Not in the...
04/10/2026

A lot of homeowners in Springfield are sitting on more money than they realize. Not in their savings account. Not in their 401k. In their home!

Equity is the difference between what your home is worth today and what you still owe on it. And for a lot of people who bought a few years ago, that number has grown significantly. The question I get asked more and more is, "Kyle, can I actually do something with that?"

The answer is totally! You can use it to consolidate debt that's costing you every month. You can use it to fund a renovation that adds value back to the home. Some of my clients have used it to help cover a down payment on an investment property. It's not free money, and it's not the right move for everyone, BUT for the right situation it can be one of the smartest financial tools you have access to.

If you own a home and you've never had a conversation about what your equity position looks like right now, that's worth knowing. Even if you don't do anything with it today.

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

If you're self-employed and you've been told buying a home is going to be complicated, I want you to hear me out!Yes, yo...
04/03/2026

If you're self-employed and you've been told buying a home is going to be complicated, I want you to hear me out!

Yes, your file looks different than someone with a W-2. Your income comes from a different place, it's documented differently, and the way an underwriter reads it is different. But different doesn't mean disqualified.

I've worked with business owners, contractors, and freelancers right here in Springfield who thought the mortgage process wasn't built for them. In some cases they'd already been turned away somewhere else. What they needed wasn't a different income, they needed a lender who actually knew how to read their situation and find the right loan for it.

If you're putting money back into your business, your tax returns might show less income than what you're actually bringing in. That's a conversation worth having before you assume the answer is no!

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

When I show someone their estimated monthly payment for the first time, I always walk through what's actually inside tha...
03/27/2026

When I show someone their estimated monthly payment for the first time, I always walk through what's actually inside that number.

Because it's not just principal and interest. It's property taxes. It's homeowner's insurance. And depending on your down payment, it might include mortgage insurance too.

I've had buyers come to me with a number in their head, something they saw on a calculator online, and it was only showing them part of the picture. That's not their fault! Most of those tools leave out the rest.

When we build your numbers together, nothing is hidden. You know exactly what your payment covers, why it's what it is, and how to adjust it if you want to.
Buying a home starts with understanding what you're actually signing up for. That's where I come in!

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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