850-566-8810| josef.johnson@fairwaymc.com
850-566-8810| josef.johnson@fairwaymc.com
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Josef Johnson

Mortgage Loan Originator

NMLS 1711742

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[elfsight_whatsapp_chat id="1"]
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What is it and why do I need one?

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After submitting an offer, what’s next?

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Why you should and what to expect.

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What is it and why do I need one?

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After submitting an offer, what’s next?

[dvg_divi_video_gallery columns=”1″ spacing=”0″ on_click=”inline” icon=”||fa||900″ preview_content=”icon” overlay_color=”RGBA(255,255,255,0)” _builder_version=”4.22.1″ _module_preset=”default” overlay_icon_text_color=”#FFFFFF” overlay_icon_font_size=”50px” overlay_title_font=”Inter|800|||||||” overlay_title_text_color=”#FFFFFF” overlay_title_font_size=”20px” overlay_title_line_height=”2em” border_radii_items=”on|10px|10px|10px|10px” box_shadow_style_items=”preset4″ box_shadow_horizontal_items=”8px” box_shadow_vertical_items=”8px” box_shadow_color_items=”#2D2D2D” locked=”off” global_colors_info=”{}” overlay_icon_text_color__hover_enabled=”on|desktop” overlay_icon_text_color__hover=”#ab57ed” box_shadow_horizontal_items__hover=”20px” box_shadow_horizontal_items__hover_enabled=”on|hover” box_shadow_vertical_items__hover=”20px” box_shadow_vertical_items__hover_enabled=”on|hover” box_shadow_color_items__hover=”#2D2D2D” box_shadow_color_items__hover_enabled=”on|hover”][dvg_divi_video_gallery_item title=”What’s Next” src=”http://itsjoethemlo.com/wp-content/uploads/2023/07/WHATS-NEXT_Web.mp4″ image_src=”http://itsjoethemlo.com/wp-content/uploads/2023/09/WHATSNEXT.jpg” _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][/dvg_divi_video_gallery_item][/dvg_divi_video_gallery]
[dsm_gradient_text gradient_text=”Refinancing” _builder_version=”4.21.0″ _module_preset=”default” header_font=”Inter|800|||||||” header_text_align=”center” background_color=”#2D2D2D” background_color_gradient_stops=”#141414 0%|#141414 100%” text_orientation=”left” custom_margin=”||0px||false|false” global_colors_info=”{}”][/dsm_gradient_text]

Why you should and what to expect.

[dvg_divi_video_gallery columns=”1″ spacing=”0″ on_click=”inline” icon=”||fa||900″ preview_content=”icon” overlay_color=”RGBA(255,255,255,0)” _builder_version=”4.22.1″ _module_preset=”default” overlay_icon_text_color=”#FFFFFF” overlay_icon_font_size=”50px” overlay_title_font=”Inter|800|||||||” overlay_title_text_color=”#FFFFFF” overlay_title_font_size=”20px” overlay_title_line_height=”2em” border_radii_items=”on|10px|10px|10px|10px” box_shadow_style_items=”preset4″ box_shadow_horizontal_items=”8px” box_shadow_vertical_items=”8px” box_shadow_color_items=”#2D2D2D” locked=”off” global_colors_info=”{}” overlay_icon_text_color__hover_enabled=”on|desktop” overlay_icon_text_color__hover=”#ab57ed” box_shadow_horizontal_items__hover=”20px” box_shadow_horizontal_items__hover_enabled=”on|hover” box_shadow_vertical_items__hover=”20px” box_shadow_vertical_items__hover_enabled=”on|hover” box_shadow_color_items__hover=”#2D2D2D” box_shadow_color_items__hover_enabled=”on|hover”][dvg_divi_video_gallery_item title=”Why Should You Refinance” src=”http://itsjoethemlo.com/wp-content/uploads/2023/09/WHY-YOU-SHOULD-REFINANCE-V4_web.mp4″ image_src=”http://itsjoethemlo.com/wp-content/uploads/2023/09/REFI.jpg” _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][/dvg_divi_video_gallery_item][/dvg_divi_video_gallery]

When Should You Start The Process?

It is never too early to start the process. If you are considering buying a home in the future it is worth meeting with your lender. It doesn’t cost anything and the information you gather can save you a significant amount of money when you are ready to take the next step and purchase a home. We will put a clear road map together for where you are now, and what you need to do to reach your home buying goals. I highly recommend scheduling an appointment as soon as you feel that buying a home is a goal for you.
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When Should You Start The Process?

It is never too early to start the process. If you are considering buying a home in the future it is worth meeting with your lender. It doesn’t cost anything and the information you gather can save you a significant amount of money when you are ready to take the next step and purchase a home. We will put a clear road map together for where you are now, and what you need to do to reach your home buying goals. I highly recommend scheduling an appointment as soon as you feel that buying a home is a goal for you.
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When Should You Start The Process?

It is never too early to start the process. If you are considering buying a home in the future it is worth meeting with your lender. It doesn’t cost anything and the information you gather can save you a significant amount of money when you are ready to take the next step and purchase a home. We will put a clear road map together for where you are now, and what you need to do to reach your home buying goals. I highly recommend scheduling an appointment as soon as you feel that buying a home is a goal for you.
[dsm_button button_one_text=”Apply for Loan” button_one_url=”https://www.fairwayindependentmc.com/lo/josef-johnson-1711742″ button_one_url_new_window=”on” button_two_text=”Schedule Consultation” button_two_url=”https://calendly.com/josefjohnson” button_two_url_new_window=”on” module_class=”nbsection-twobutton-wide” _builder_version=”4.22.1″ _module_preset=”default” custom_button_one=”on” button_one_text_size=”14px” button_one_text_color=”#FFFFFF” button_one_bg_use_color_gradient=”on” button_one_bg_color_gradient_direction=”90deg” button_one_bg_color_gradient_stops=”#e73336 0%|#ff383b 100%” button_one_border_width=”0px” button_one_border_color=”RGBA(255,255,255,0)” button_one_border_radius=”100px” button_one_letter_spacing=”1px” button_one_font=”Inter|800||on|||||” button_one_icon=”||fa||900″ button_one_icon_color=”rgba(255,255,255,0.51)” button_one_on_hover=”off” button_one_custom_padding=”15px||15px||true|false” custom_button_two=”on” button_two_text_size=”14px” button_two_text_color=”#2D2D2D” button_two_bg_color=”#FFFFFF” button_two_border_width=”0px” button_two_border_color=”#FFFFFF” button_two_border_radius=”100px” button_two_letter_spacing=”1px” button_two_font=”Inter|800||on|||||” button_two_icon=”||fa||400″ button_two_icon_color=”#E73336″ button_two_on_hover=”off” button_two_custom_padding=”15px||15px||true|false” custom_margin=”25px||||false|false” custom_padding=”||||false|false” custom_css_button_1=”width:40%;||text-align:center;” custom_css_button_2=”width:56%;||text-align:center;” locked=”off” global_colors_info=”{}” transform_styles__hover_enabled=”off|hover” transform_scale__hover_enabled=”off|hover” transform_translate__hover_enabled=”off|hover” transform_rotate__hover_enabled=”off|hover” transform_skew__hover_enabled=”off|hover” transform_origin__hover_enabled=”off|hover” transform_translate__hover=”-40px|-40px” custom_css_button_1__hover_enabled=”on|hover” custom_css_button_1__hover=”transform:translatey(-10px);” custom_css_button_2__hover_enabled=”on|hover” custom_css_button_2__hover=”transform:translatey(-10px);”][/dsm_button][dsm_button button_one_text=”Apply for Loan” button_one_url=”#” button_two_text=”Schedule Consultation” button_two_url=”https://calendly.com/josefjohnson” button_two_url_new_window=”on” module_class=”nbsection-twobutton-small” _builder_version=”4.21.0″ _module_preset=”default” custom_button_one=”on” button_one_text_size=”14px” button_one_text_color=”#FFFFFF” button_one_bg_use_color_gradient=”on” button_one_bg_color_gradient_direction=”90deg” button_one_bg_color_gradient_stops=”#7549ea 0%|#29c4a9 100%” button_one_border_width=”0px” button_one_border_color=”RGBA(255,255,255,0)” button_one_border_radius=”100px” button_one_letter_spacing=”1px” button_one_font=”Inter|800||on|||||” button_one_icon=”||fa||900″ button_one_icon_color=”rgba(255,255,255,0.51)” button_one_on_hover=”off” button_one_custom_padding=”15px||15px||true|false” custom_button_two=”on” button_two_text_size=”14px” button_two_text_color=”#000A35″ button_two_bg_color=”#FFFFFF” button_two_border_width=”0px” button_two_border_color=”#FFFFFF” button_two_border_radius=”100px” button_two_letter_spacing=”1px” button_two_font=”Inter|800||on|||||” button_two_icon=”||fa||400″ button_two_icon_color=”#AB57ED” button_two_on_hover=”off” button_two_custom_margin=”20px|||0px|false|false” button_two_custom_padding=”15px||15px||true|false” custom_margin=”25px||||false|false” custom_padding=”||||false|false” custom_css_button_1=”width:100%;||text-align:center;” custom_css_button_2=”width:100%;||text-align:center;” locked=”off” global_colors_info=”{}” transform_styles__hover_enabled=”off|hover” transform_scale__hover_enabled=”off|hover” transform_translate__hover_enabled=”off|hover” transform_rotate__hover_enabled=”off|hover” transform_skew__hover_enabled=”off|hover” transform_origin__hover_enabled=”off|hover” transform_translate__hover=”-40px|-40px” custom_css_button_1__hover_enabled=”on|hover” custom_css_button_1__hover=”transform:translatey(-10px);” custom_css_button_2__hover_enabled=”on|hover” custom_css_button_2__hover=”transform:translatey(-10px);”][/dsm_button]
[dsm_gradient_text gradient_text=”Home Buying Made Simple.” _builder_version=”4.22.1″ _module_preset=”default” header_font=”Inter|800|||||||” header_text_align=”left” header_font_size=”45px” background_color_gradient_direction=”33deg” background_color_gradient_stops=”#e73336 0%|#ff383b 100%” text_orientation=”left” custom_margin=”||35px||false|false” header_text_align_tablet=”left” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” header_font_size_tablet=”45px” header_font_size_phone=”35px” header_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][/dsm_gradient_text][dsm_advanced_tabs dsm_show_arrow=”on” dsm_content_animation=”pulse” dsm_tabs_horizontal_alignment=”center” dsm_tabs_gap=”0px” dsm_tabs_bg_color=”rgba(0,0,0,0.25)” dsm_tabs_active_bg_color=”#E73336″ dsm_tabs_text_color=”#9e9e9e” dsm_tabs_active_text_color=”#FFFFFF” dsm_tabs_image_width=”120px” dsm_content_bg_color=”#141414″ dsm_tabs_wrapper_width=”100%” dsm_tabs_wrapper_margin=”||15px||false|false” dsm_tabs_wrapper_alignment=”center” dsm_content_image_width=”1%” dsm_tabs_image_width_tablet=”120px” dsm_tabs_image_width_phone=”60px” dsm_tabs_image_width_last_edited=”on|phone” _builder_version=”4.22.1″ _module_preset=”default” tab_title_font=”Inter|700|||||||” tab_title_font_size=”24px” content_title_font=”Inter|800|||||||” content_title_text_color=”#FFFFFF” content_title_font_size=”30px” tab_content_text_font=”Inter||||||||” tab_content_text_text_color=”#FFFFFF” tab_content_text_font_size=”16px” image_icon_custom_padding=”0px|0px|20px|0px|false|true” border_radii_dsm_tabs_border=”on|10px|10px|10px|10px” border_radii_dsm_active_tabs_border=”on|10px|10px|10px|10px” border_radii_dsm_content_border=”on|15px|15px|15px|15px” border_width_all_dsm_content_border=”0px” global_colors_info=”{}”][dsm_advanced_tabs_child dsm_title=”01.” dsm_use_icon_image=”on” dsm_image=”http://itsjoethemlo.com/wp-content/uploads/2023/07/01-1.svg” dsm_content_title=”Get Pre-Qualified” dsm_content=”Before you start looking for a house come in and see how much you are qualified for and set goals for where you need to be when your dream home becomes available. After this is done you will receive a pre-approval letter.” dsm_content_image_icon_placement=”left” _builder_version=”4.21.0″ _module_preset=”default” tab_title_text_align=”center” image_icon_custom_margin=”0px||||false|false” image_icon_custom_padding=”0px|0px|20px|0px|false|false” border_radii_dsm_image_icon_border=”off|10px|10px||” global_colors_info=”{}”][/dsm_advanced_tabs_child][dsm_advanced_tabs_child dsm_title=”02.” dsm_use_icon_image=”on” dsm_image=”http://itsjoethemlo.com/wp-content/uploads/2023/07/02-1.svg” dsm_content_title=”Go House Shopping” dsm_content=”Now that you have your pre-approval letter its time to go shop. If you are working with a realtor they can begin showing you homes and submitting offers. If you don’t have a realtor I would be happy to put you in touch with one.” dsm_content_image_icon_placement=”left” _builder_version=”4.21.0″ _module_preset=”default” tab_title_text_align=”center” image_icon_custom_margin=”0px||||false|false” image_icon_custom_padding=”0px|0px|20px|0px|false|false” border_radii_dsm_image_icon_border=”off|10px|10px||” global_colors_info=”{}”][/dsm_advanced_tabs_child][dsm_advanced_tabs_child dsm_title=”03.” dsm_use_icon_image=”on” dsm_image=”http://itsjoethemlo.com/wp-content/uploads/2023/07/03-1.svg” dsm_content_title=”Get Your Offer Accepted” dsm_content=”YES! Your offer was accepted. But you’re not done yet. Now we gather all of the remaining documentation we need to get your loan closed. My team and I will be there for you every step of the way to make sure this process goes smoothly.” dsm_content_image_icon_placement=”left” _builder_version=”4.21.0″ _module_preset=”default” tab_title_text_align=”center” image_icon_custom_margin=”0px||||false|false” image_icon_custom_padding=”0px|0px|20px|0px|false|false” border_radii_dsm_image_icon_border=”off|10px|10px||” global_colors_info=”{}”][/dsm_advanced_tabs_child][dsm_advanced_tabs_child dsm_title=”04.” dsm_use_icon_image=”on” dsm_image=”http://itsjoethemlo.com/wp-content/uploads/2023/07/04-1.svg” dsm_content_title=”It’s Moving Day” dsm_content=”Congratulations! You have now successfully purchased your home and the keys are in your hands. The home buying process isn’t always easy, but taking that first step and getting prequalified has paid off. Enjoy your new home and all of the memories you are going to make there.” dsm_content_image_icon_placement=”left” _builder_version=”4.21.0″ _module_preset=”default” tab_title_text_align=”center” image_icon_custom_margin=”0px||||false|false” image_icon_custom_padding=”0px|0px|20px|0px|false|false” border_radii_dsm_image_icon_border=”off|10px|10px||” global_colors_info=”{}”][/dsm_advanced_tabs_child][/dsm_advanced_tabs]