John Hester has been in the mortgage industry since 1992 and with Guaranteed Rate since 2016. His exceptional team of mortgage professionals work with him to give each client an exceptional experience throughout the loan process. John has a vast amount of experience working with Conventional, VA, FHA, USDA and Jumbo loan programs.
John’s niche is working with borrowers needing Jumbo financing products.
5% and 10% down payment options are available with low reserve requirements on Jumbo loan programs. We also offer Adjustable Rate Mortgages “ARMs”, Interest-Only Jumbo ARMs, Investment Jumbo loans, Cash-Out refinances, and Non-Warrantable condos.
John has worked with many jumbo loan clients over the years needing low 5% and 10% down payment loans with low reserve requirements, Adjustable Rate Mortgages “ARMs”, Interest-Only Jumbo ARMs, Investment Jumbo loans, Cash-Out refinances, and Non-Warrantable condos.
Jumbo ARM programs are very attractive with their lower interest rates and varying fixed terms of 3, 5, 7 and 10 years. Here are four reasons to consider an ARM program.
John has the ability to find financing for most borrowers. Being in a coastal beach community he sees a lot of demand for Second Home and Investment property financing.
He also has asset depletion programs available for borrowers with low incomes that have investments and savings and may be looking to purchase a retirement home. These types of programs are super for borrowers who may be retired and don’t report much income and have assets to support monthly payments.
We have many programs available to fit a wide range of needs. Some have no seasoning requirements for bankruptcy and foreclosure. Please contact John Hester to learn more about program requirements and restrictions. John is available day and evenings.