John Money Mckinley Mortgage

10/29/2026

Before you recommend another price reduction, consider this...

I recently came across some great insights from Tommy Choi, a highly successful Realtor in Chicago, about helping sellers compete in today's market.

What if the same $10,000 a seller is willing to give up could be used differently to help get their home sold?

A price reduction? Closing cost assistance? An interest rate buydown? Maybe a combination?

Sometimes it's not about how much the seller gives up. It's about how those dollars are put to work!

I put together this quick video to share a few ideas with my fellow Realtors.

And if you've got a listing you'd like me to run some numbers on, I've made that easy, too:

👉 https://ratebuydown.johnmckinley.net/buydown

Let's keep sharing ideas and finding ways to make deals happen!

NMLS # 221964

10/22/2026

Negotiating a simple price reduction might be costing your buyers thousands in savings. Most agents go straight to asking for a lower price when a seller-paid buydown can make a much bigger impact.

A price drop saves a buyer a few dollars a month. That same seller credit structured as a buydown can free up hundreds — money they can use to knock out high-interest credit cards and build real savings.

Send me any listing and I’ll run the numbers. What it costs your seller, what it saves your buyer, side by side.

https://ratebuydown.johnmckinley.net/buydown

NMLS # 221964
https://myoc.io/JohnMcKinley

10/21/2026

Most loan officers are pitching buydowns the wrong way.

A price cut on a listing often saves a buyer a few dollars a month. The same seller money structured as a buydown can save them hundreds — cash they can use to knock out high-interest debt instead of just feeling a little better about the payment.

Send me any listing and I’ll run the real numbers. What it costs your seller, what it saves your buyer, side by side.

https://ratebuydown.johnmckinley.net/buydown

Or comment BUYDOWN and I’ll send it to you.

NMLS # 221964
https://myoc.io/JohnMcKinley

10/15/2026

Equity isn’t something you just have—it’s something you use. If it’s just sitting there, it’s not doing its job. Make your equity work as hard as you do.
https://myoc.io/JohnMcKinley



NMLS # 221964

10/15/2026

Realtors — a question worth asking yourself about your buyers.

When one of them says “we’re going to wait and see what rates do,” what do you actually say back?

Most agents say some version of “I understand” and the conversation ends. The buyer goes quiet and six months later they’ve bought with somebody else, or they haven’t bought at all.

There’s a real answer to that objection and it’s math, not pressure. I’ve been putting it together with a Realtor I work with and it changes the conversation completely.

If you’ve got a buyer sitting on the fence right now, let’s talk. Happy to walk through it.

10/13/2026

Drowning in high-interest credit card or personal loan debt?
Your home equity might be the solution.

By tapping into the equity you’ve built, you could combine that debt into one manageable monthly payment—often at a much lower interest rate. That means less stress and more savings over time.

Whether it’s a cash-out refinance, HELOC, or home equity loan, we’ll help you find the right fit.

📩 Contact me today to get started!
https://myoc.io/JohnMcKinley

NMLS # 221964

10/09/2026

Homebuyers Aren't Priced Out. Here's the Math



NMLS # 221964

10/08/2026

Plot twist: You don’t have to be ready to buy a home to start planning for one. 👀
Sometimes the smartest first move is simply finding out what it would take to get there.
Start with a conversation. Let's connect!
https://myoc.io/



NMLS # 221964

10/07/2026

Your home equity has been sitting quietly in the background for years. Time to give it main character energy.

Whether that's a kitchen reno, paying down higher-interest debt, or funding something new, a HELOC lets you actually use your equity instead of just watching it sit there.

Curious what yours could do? Let's look at your options.

NMLS # 221964

07/27/2026

5.0 star review received on Experience.com for John Money McKinley by Carolina S T - I had an excellent experience working with John throughout the entire home loan process. From the beginning, he was professional, knowledgeable, patient, and always available to answer my questions.
Buying a home can be stressful, but John made the process much easier for me and my family. He kept me informed every step of the way, explained everything clearly, and always made sure I understood what was happening and what was needed from me.
I truly appreciate all of John’s hard work, dedication, and support in helping us achieve our goal of purchasing our home. I highly recommend John to anyone looking for someone trustworthy, responsive, and genuinely committed to helping their clients.
Thank you so much, John, for being part of such an important moment for our family! 🏡❤️

Click to see all 77 reviews of John Money McKinley, Mortgage Loan Originator | NMLS ID # 221964