John is a licensed loan originator with East Coast Capital Mortgage, bringing decades of experience in various aspects of personal finance to his role. He offers clients multiple options and explains the loan process in easy-to-understand terms. If a pre-approval letter is needed, John provides one on the same day the required items are submitted.

As part of a full-service lender, John offers Conventional, FHA (3.5% down payment), and VA loans. He also provides a program that allows paying a one-time fee to eliminate the monthly PMI requirement with as little as a 5% down payment, even for those with moderate credit. Additionally, East Coast Capital offers non-conventional loans that do not require tax returns or W2s.

For clients considering a refinance, John offers his perspective on the best way to restructure debt to lower overall monthly payments. He promises professionalism and prompt responses to all inquiries, and looks forward to assisting with purchases or refinances.