About Me
I have been lending since the mid 1990’s. During my career as a loan consultant I have worn many hats including starting as a bank lender, in-house Realtor’s lender, builder’s Lender, private broker, and I am currently a retail direct lender. Financing resources include FNMA, Freddie Mac, FHA, VA, USDA, 2nd TDs, jumbo, hard money, private money, etc. lending. The mortgage industry has gone through many changes to programs, rates, and Government laws during my 25 years working in it. I still love what I do because it makes me happy to put my clients / friends into their dream home with a great, affordable mortgage. I love to give, and this gives me the ability to work with and for my clients. I am here for you and will be with you throughout the entire loan process. I do not hand you off like so many lenders do these days. Please give me a call to let me find the best product and rate for your next purchase or refinance.
Calculators
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Mortgage Calculator
Using a mortgage calculator can help you calculate monthly payments on a home loan.
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Refinance Calculator
Use our refinance calculator to determine whether the costs of refinancing into a new home loan makes sense for your financial situation.
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Mortgage Affordability Calculator
Use our mortgage affordability calculator to see how much home you can afford.
Get Started with Candy Johnson – Mortgage Advisor
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
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Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
