Paul Johnson

As a self-employed borrower, we know you hustle. And we know that you’re more than capable of purchasing a home. So, we threw the rules of approval out the window for you. Our Signature Expanded 1099 Loan means we simply review statements instead of tax docs to give you the green light on homeowning. Call today.🏡

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5.0 star review received on Experience.com for Paul Johnson by Gabriella C - Paul and his team are absolutely amazing. From the time I contacted him initially to the end of closing he went out of his to help and make sure I got the home I wanted. I would recommend him to anyone looking for financing.

New ★★★★★ 5 Star Experience.com Review by Gabriella C Click to see all 1 reviews of Paul Johnson at CrossCountry Mortgage | NMLS #256231, Vice President of Lending | NMLS #256231

Made the right choice. Amazing #1 company, awesome people, I have the best team, tremendous amount of programs and competitive rates for my borrowers. Happy Happy Happy and Proud to be part of it all.

I'm very happy and excited about serving my clients and colleagues with this great team here at CrossCountry Mortgage. Unparalleled support, teamwork and speed to market. I'd love to catch up so reach out and let's talk.

Paul Johnson

For all who served....Thank You

For all who served....Thank You

Enjoy this quick update on what's going on in the housing and financing markets.

Markets in a Minute Enjoy this quick update on what's going on in the housing and financial markets.

Great news- FHA mortgages just got a price cut! Mortgage insurance premiums will be lower on most FHA loans, making payments more affordable and qualifying easier. If you or someone you know hasn't acted because of high rates or low income, now is a good time for another look. Please reach out if I can answer questions or show you updated loan comparisons.

The Federal Home Loan Bank of Atlanta went live today for their funding for their Affordable Housing Program (AHP) Homeownership Set-aside Program. The First-time Homebuyer Product maximum funding will increase from $7,500 to $12,500. Additionally, the Community Partners Product maximum funding will increase from $10,000 to $15,000. Contact me today for more details!

Happy Presidents' Day! It's time to celebrate the legacy of our nation's presidents — and maybe take advantage of some sales, too! No matter how you spend the day, I hope it's a great one!

If it’s your first time buying a home, or you’re looking to start over, knowing the right questions to ask your lender will put you ahead of the game. Here are a couple of questions to keep in mind:

✔️Do you have an origination fee?

An origination fee provides additional profit for the lender beyond what’s built into the interest rate. A good follow-up question: What are all of your lender fees?

✔️What other costs will I pay at closing?

Fees charged by third parties, such as for an appraisal, a title search, property taxes, and other closing costs are paid at the loan signing. These costs will be detailed in your official Loan Estimate document and your almost-time-to-sign Closing Disclosure. But the sooner you know what they are, the better you can shop, compare — and prepare — for them.

Are you looking for a reputable mortgage specialist? I would be more than happy to help.

Have you or someone you know received transfer orders? No matter what time of year you’re assigned your PCS, it’s important to be proactive to help alleviate some of the stress that can come with a move. If you’re thinking about buying a home in your new location, let us get you started with a complimentary mortgage consultation.

Let's make life less interest-ing in 2023! The beginning of the year is perfect for taking a good look at your current and planned finances. Many people make decisions in the first quarter of the year that can impact their home financing later. Reach out today to make sure your current mortgage is still the right one for you.

There's more to a home purchase than just rates. Watch the quick video to learn more about market forces that lessen the impact of higher mortgage rates. If you're interested in a purchase now, we have strategies to help. Reach out to learn more.

Buying a Home When Rates Have Risen Market forces can lower the impact of higher rates.

Finished upper-level bonus room over garage for storage, rec room or any usage you would like! Wide open spaces, tall ceilings, hardwood floors. Screened porch off kitchen with doggy doors at the bottom. OPEN HOUSE: February 5th from 1:00pm-4:00pm. Contact Faraz Behvandi for more information.

14980 MEADOW POND LANE, HILLSBORO, VA 20132 Beautiful rambler with incredible mountain views in Purcellville/Hillsboro! 3 bedrooms, 2 full baths, and a 2-car garage with plenty of parking on the unpaved driveway. Finished upper-level bonus room over garage for storage, rec room or any usage you would like! Wide open spaces, tall ceilings, har...

The Fed raised policy rates by 0.25% at their February meeting. It is the smallest of the 8 increases made in the last 11 months. If you are in need of home financing, we have programs that can work in the framework of today's market. Rates are still lower than long-term averages, and there are options like hybrid ARMs, buydowns, and HELOCs that can help in this environment. Please let me know if I can help.

There’s something about being able to soak in a bathtub that’s downright therapeutic. You can just sit and relax in a tub in a way that’s not possible when you take a shower. Being submerged in water can actually relieve stress and soothe aching muscles. And when you add bubble bath – well, that’s another level of relaxation. With that said, which bathtub would you pick…..A, B, or C?

5.0 star review received on Experience.com for Paul Johnson by Benjamin A - Paul is extremely detailed oriented. He provided us with relevant numbers to ensure that we understood and were comfortable with the financial commitment of our loan. Paul also worked around the clock to ensure that our loan closed on time!

New ★★★★★ 5 Star Experience.com Review by Benjamin A Click to see all 7 reviews of Paul Johnson,
Senior Loan Officer | NMLS # 256231

Are you looking for a competitive edge in today's market? With a Buyer's Edge Pre-Approval from First County Mortgage, you'll receive upfront credit approval to shop for a home with a loan already in hand.

www.listreports.com

Nobody buys a home in the winter. Right? Wrong! In fact, if you checked the numbers, you’d find that a good chunk of home purchases happen during the coldest months of the year.

Here are 4 reasons winter is a great time to buy a home:

☑️ Less competition
With fewer buyers searching in winter, you’ll be less likely to get caught in a bidding war

☑️ You can inspect the home’s durability
Winter is a great chance to see how the house handles harsh weather

☑️ Sellers are motivated
Many people who put their homes on the market in winter do so because they need to. They might be more willing to negotiate.

☑️ Homes close faster
Winter is also a quieter time for loan underwriters, so you may be able to close your loan more quickly

Let's make life less interest-ing in 2023! If you’ve built up a lot of debt recently, here’s how accessing your home’s cash vault for debt consolidation can help.

🔸 Pay down non-tax deductible/high rate debt
Most consumer debt carries a higher interest rate than home financing. If you access cash to pay off some of those debts – even at a slightly higher interest rate than your current mortgage – you can still save on overall interest expenditures.

💲Tip! if you use your monthly savings to pay extra on your principal each month, you can pay off your mortgage faster and save even more.
If you want to talk through your scenario, please reach out to me!

The main level features gleaming hardwood floors, a living area with a wood-burning fireplace, a separate dining area, a half bath, and a spacious kitchen with large windows that let in lots of natural light, plus a seating area to enjoy.The upper level also features gleaming hardwood floors and has a spacious primary bedroom with an en-suite bath. OPN HOUSE: January 21st from 1:00pm-3:00pm. Contact Melanie Hogg Group for more information.

5407 WYCKLOW COURT, ALEXANDRIA, VA 22304 Welcome to 5407 Wycklow Ct, a well-maintained 3 bedroom, 2.5 bath all brick garage townhome in a very COMMUTER FRIENDLY Alexandria location. The main level features gleaming hardwood floors, a living area with a wood-burning fireplace, a separate dining area, a half bath, and a spacious kitchen with...