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Loan Officer Thomas Johnston

Loan Officer Thomas Johnston | NMLS# 1583463; Arizona, California, Oregon, Texas and Washington

Thomas is your mortgage loan originator, who works side by side with a strong team that shares the same devotion to excellence.
Experienced, knowledgeable, and always up to date on the industry's latest products, Thomas strives to exceed the customers' expectations in each and every transaction.

Do you have any questions? Please call 866-610-6025

Available Products


Product Name Description

What is a USDA Loan? Eligibility, Rates & Advantages for 2018

A USDA home loan is a 100% financing (zero down payment) mortgage offered by the U.S. Department of Agriculture to home buyers in less densely populated areas of the country. Eligibility is determined by home location, income level, and other requirements.

Section 184 Indian Home Loan

When native Americans in California look to purchase a home, they face unique challenge. The most common of these problems is an inability to acquire a mortgage for a home built on reservations or tribal land.

Mortgage Credit Certificate: What is it? How does it work?

Ubermortgage manages various Mortgage Credit Certificate (MCC) programs, to help homebuyers get the most from their home purchase. The MCC Tax Credit is a federal credit which enable first-time homebuyers to convert a portion of their annual mortgage interest into a direct dollar for dollar tax credit on their federal income tax return.

HUD Section 184 Loan Program

A comprehensive overview of the HUD Section 184 Loan Program for Native Americans including borrower qualifications and eligibility requirements.

Types of Interested Party Contributions (IPCs)

When sellers pay loan closing costs, the buyer wins. Here’s how much you can accept from the seller for a conventional, USDA, FHA, or VA loans.

Section 184 Indian Home Loan Guarantee Program

Details of section 184 Indian Home Loan Guarantee Program

Steps to Buying a Homes—CA Housing Finance Agency

CalHFA understands that buying a home is a huge responsibility. Before you leap into all of the benefits of homeownership, you should get prepared first.

Redevelopment & Housing Program

Learn more about redevelopment and housing program in a city near you.

What is a Good Credit Score?

For a score between 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above is considered to be excellent. Find out more about good credit scores.

Affordable Housing Grant

Information regarding affordable housing grans and loans.

USDA offers Homeownership Opportunities with No Down Payment

Learn more about paying nothing down on a USDA home loan.

Rural Housing Site Loans—USDA Rural Development

Find details about rural housing loans and programs.

USDA Guaranteed Home Loan vs the USDA 502 Direct Loan

A USDA home loan is a zero down payment mortgage loan with low mortgage rates for eligible rural and suburban homebuyers. Find out if you qualify for a USDA home loan and start your search today.

Definition of Qualified Mortgage (QM)

The Federal Deposit Insurance Corporation (FDIC) and five other agencies finally completed their definition of the related Qualified Residential Mortgage (QRM) rule. Read more to learn about a qualified mortgage.

Freddie Mac Home Possible Loan

Low Down payment financing with discounted fees for creditworthy low- and moderate-income borrowers.

FHA vs. Conventional: Choosing the Right Loan for You

FHA vs. Conventional: We will take a look at both FHA and Conventional mortgage types to help you decide which home loan is right for you.

5 Tips for First-Time Homebuyers

These steps will help rookies streamline the process and avoid unpleasant surprises.

What is an FHA Loan Guarantee?

The Federal Housing Administration (FHA) guarantees the approved lenders that it works with reimbursement of their loss in the event a homeowner defaults. FHAs insurance pool pays out claims to lenders and servicers of its home loans, such as banks, credit unions, mortgage companies and savings and loans. The FHA loan guarantee helps borrowers with less than perfect credit and modest incomes acquire financing for a purchase or refinance.

USDA Rural Home Loan

Learn more about how to get a USDA home loan in rural areas.

Single Family Housing Programs—USDA Rural Development

Learn more about the single family housing program offered by USDA rural development program.

What are the maximum loan amounts for 2018?

Find out what the maximum loan amounts for 2018 are.

How does mortgage refinancing work?

Learn the fundamentals about mortgages and refinance your mortgage.

HomeReady Mortgage Program Overview

Comprehensive overview of the Fannie Mae HomeReady Mortgage Program including program guideline and borrower qualification requirements.

Where can I get my credit score?

There are a few main ways to get your credit score, including from a credit card or other loan statement, a non-profit counselor, or for a fee from a credit reporting agency.

USDA Loan Eligibility Requirements

Learn more about USDA Loan eligibility and if you or your next home qualifies for the program.

What’s the difference between a mortgage rate and APR?

Knowing the difference between a mortgage rate and an APR can help you pick the best loan for your situation. Read more to learn what you need to know.

Maximum Mortgage Limits 2018

The Federal Housing Administration announced neatly every area of the U.S. will see FHA loan limits increase in 2018.

FHA Loan Limits for 2018: Maximum Mortgage Amount by County

On this page, you’ll find links to the 2018 FHA loan limits for all counties in the U.S. The limits were increased in response to rising home prices.

What’s the difference between private mortgage insurance (PMI) and mortgage insurance premium (MIP)?

Learn more about the difference between private mortgage insurance (PMI) and mortgage insurance premium (MIP).

U.S. Department of Housing and Urban Development- fha faq

Read descriptions of some of the frequently asked questions.

Guide to Getting a FHA Mortgage Loan

The Federal Housing Administration (FHA) mortgage loan is great for people who want to buy a home but can’t pull together a large down payment.

FHA Credit Score Requirements

One of the great benefits of the FHA mortgage loan is that people who wound not have qualified for an affordable conventional mortgage loan might be able to qualify for an FHA loan. Learn more about the credit score requirements for FHA loan.

USDA Income Eligibility Guidelines and Maximum

How much can you make and still be eligible for the USDA home loan program?

FHA Adjustable Rate Mortgages in 2018 (FHA ARM)

FHA adjustable rate mortgages (ARM) are HUD mortgages specifically designed for low and moderate-income families.

USDA Loans—Complete Guide to the USDA Loan

Officially known as the Section 502 Single Family Housing Guaranteed Loan Program, the USDA loan is a $0 down mortgage option available to rural and suburban homebuyers in the United States. Learn more about the USDA Loan and why it is the best choice for millions of potential homebuyers.

Minimum FHA Credit Score Requirement Falls 60 Points

Credit score requirements relax for FHA loans which is helping more borrowers qualify. Analysis and effect on housing, plus today’s live FHA mortgage rates.

FHA Loan Credit Score Requirements for 2018

Do you have a FICO credit score that will qualify you for an FHA loan? You’ll need a 580 if you plan to put down the lowest down payment possible. Read more about FHA loan credit score requirements.

FAQ Home Possible Mortgages—Freddie Mac

These frequently asked questions about Home Possible mortgages will help you better understand some of the requirements surrounding Freddie Mac's low down payment offerings, including requirements for homebuyer education and lender gifts and grants.

USDA Loans—Land Value vs. Home Value

Underwriters are going to look at the appraisal, and if the land is worth more than 1/3 of the total sales price, it won’t work for the bank.

What Is A Mortgage Refinance?

How to refinance a mortgage, plus explanations of “special” programs such as HARP, FHA Streamline Refinance, VA IRRRL.

Balloon Loan

A balloon loan is a types of loan which does not fully amortize over its term.

What is tribal lending? Compare lenders, rate, and safety

Here’s all the information you need to know about tribal lenders to make sure you’re getting a safe and affordable loan.

Minimum Credit Score for FHA

The FHA loan credit score requirement for a mortgage loan is 500 with a 10% down payment. A 580 credit score is needed with a 3.5% down payment.

How Soon Can I Refinance My Mortgage After Purchasing a Home?

Notice the mortgage rates lowing shortly after buying a new home? Learn how soon you can refinance after purchasing your home and if it makes sense for you.

How to get Rid of PMI—Private Mortgage Insurance

Learn ways to shed this added monthly housing expense.

VA Loan Vs. FHA Loan: Comparing Mortgage Options

FHA loans have become increasingly popular. But most qualified military borrowers will save more money and enjoy greater buying power using a VA loan.

Improve Credit Score

Get tips on how to raise your credit score and manage credit responsibly, including paying bills on time, paying off debt, and managing credit history.

What is the Maximum Loan Amount For a USDA Loan?

While there is no set maximum loan amount dictated by the USDA rural home loan program, the maximum amount you can borrow will be determined.

Qualified Mortgage Credit Certificate

Read to learn more about Mortgage Credit Certificates.

What is a HomeReady Mortgage?

HomeReady mortgages are a home loan product from Fannie Mae that can help lower your down payment and secure loan approval when you rely on contributions from family or friends.

Mortgage Credit Certificate Program

Overview of the GSFA MCC Program. Provides a federal income tax credit to qualifying homebuyers.

How Does Refinancing Your Home Work

Refinancing your home 101. Educate yourself on what refinancing can and cannot do for you.

Difference Between APR and Interest Rate

The terms APR and interest are often used interchangeably in casual conversation, but it is important to know the difference between APR and interest.

Assurant Lenderx

Learn more about LenderX and how to control your appraisal management process.

Buying Your First Home: How to Prepare

Looking into buying your first home? Congrants! A house might be the biggest purchase of your life: Here’s How to make sure you’re financially prepared.

Home in 5 Advantage Eligibility

Learn if you qualify for the home in 5 advantage program.

Closing Disclosure (CD)

Learn about Closing Disclosure (CD) and which forms are required.

What is a Conventional Loan?

If you are looking for the definition of Conventional Loan—look no further.

Chenoa Fund

Chenoa Fund is a Affordable Housing Program.

Non-Occupying Co-Borrower Guidelines: FHA and Freddie Mac Edition

A non-occupying co-borrower that has a solid credit history, low debt and enough income to meet their needs as well as help one of their relatives can step in and boost an overall mortgage application.

USDA Home Loan Information & Resources

A USDA Guaranteed home loan is funded by an approved USDA lender under a specialized loan program administered by the US Department of Agriculture.

How Credit Score Affects Your Mortgage Rate

A higher credit score earns you a lower mortgage rate, which means you’ll save by paying less in interest. Score of 720 and up earn the best rate on conventional mortgages. Learn more about how your credit score affects your rate.

What is GSFA?

The GSFA Platinum Down Payment Assistance grant program offers up to 5% to pay a home buyer’s down payment and closing costs. Check your eligibility here.

Origination

Origination is the process of creating a home loan or mortgage.

No-Ratio Mortgage

A mortgage program in which a borrower’s income isn’t used or reported in qualifying the borrower for the mortgage.

Qualifying Ratios

Qualifying ratios are ratios that are used by lenders in the underwriting approval process for loans.

Applying For An FHA 203(k) Loan

If you have the time and energy, the 203(k) loan is often the only way to finance a property needing significant repairs.

An Introduction to the FHA 203(k) Loan

If you’re looking at a fixer-upper, the Federal Housing Administration rehab loan may be the mortgage for you.

Mortgage Guide

Have you finally reached that time in life where you’re ready to buy a home? Luckily for you, we have put together all the information you will need to get the right mortgage and the right lender, for the right price.

10 Worst Mistakes First-Time Homebuyers Make

Are you about to buy your first home? Check out these errors that can wind up costing you more than the coveted key to your first home.

The FHA’s Minimum Property Standards

If you are thinking of purchasing a home with an FHA loan, here are some standards that must be met.

Is An FHA Mortgage Still A Bargain?

Read to learn about the value of a FHA mortgage before committing to a mortgage program.

Top Reasons to Apply For An FHA Loan

Learn when it is a good idea to apply for a Federal Housing Administration Loan.

FHA Loan: Basics and Requirements

An FHA loan is a mortgage insured by the Federal Housing Administration (FHA), designed for lower income borrowers unable to make a large down payment.

HUD versus FHA loans: What’s the Difference?

Learn how the U.S. Department of Housing and Urban Development (HUD) are used interchangeably with Federal Housing Administration (FHA) to refer to “government loans” for would-be home buyers.

15 Common Mortgage Terms To Know

Learn about the most common mortgage terms such as private mortgage insurance, pre-qualification, origination fees, closing costs, and more.

Home in 5 Loan Program

Information on Home in 5, Pathway to Purchase, Lift or other Grant Programs. Talk with a licensed representative to get your questions answered. Up to 10% in assistance.

What’s the Difference Between FHA, HomeReady, and Home Possible Mortgage?

FHA, HomeReady, and Home Possible Advantage loans are types of mortgages that have a lot in common but have subtle differences that can make an impact. In this article, we dive into the characteristics of each mortgage time to compare similarities and differences.

Cost of Mortgage Insurance

Mortgage insurance is required by various lenders under certain circumstances. You might think that your mortgage will be paid off if something should happen to you.

Can You Buy Land With a FHA Loan

The Federal Housing Administration (FHA) is a program administered through the federal Department of Housing and Urban Development (HUD).

First Lien Mortgage

First lien is a term everyone who takes out a mortgage should understand. Bankrate explains it.

Zero-Down Home Loans

You want to buy a house, but with rent prices, reaching all-time heights, saving up for a down payment can be challenging. Some lenders will go as low as 3 percent.

Home Buying Basics

Know what to expect and how to prepare yourself for buying your first home. A Step by step guide.

What Is a Loan Commitment Letter?

If you have satisfied a lender’s underwriting requirements, you should receive a loan commitment letter. You may use a loan commitment letter from a licensed mortgage lender.

Sales Pending Vs. Under Contract

Though sometimes used in other industries, the terms sales pending and under contract are most often used in the real estate sector with regard to home sales.

Graduated Payment Mortgage (GPM)

A graduated payment mortgage (GPM) is a type of mortgage in which the payment increases from a low initial rate to a higher rate.

Dual Index Mortgage

A dual index mortgage is a type of mortgage where the interest rate and payment are tied to several financial index benchmarks.

Piggyback Mortgage

If you are looking to buy a home, learn more about what a piggyback mortgage is by reading the following article.

Wraparound Mortgage

A wraparound mortgage is a types of junior loan which wraps or includes, the current note due on the property.

Subprime Mortgage

A subprime mortgage is a types of mortgage that is normally made out to borrowers with lower credit ratings.

USDA Home Loans

USDA Loans, All the information you need to known. Apply for a USDA Loan.

Conventional Conforming Loan-Buying a House in 2018

Learn more about buying a conventional loan with a low down payment in 2018.

FHA Loans and Down Payment Assistance-Can They Work Together?

The Federal Housing Administration (FHA) –which is part of HUD- insures the first mortgage, so your lender can offer you a better deal. When using an FHA loan, the required down payment for a purchase transaction is currently 3.5%.

What does LTV Stand for?

The loan-to-value ratio is a lending risk assessment ratio that financial institutions and others lenders examine before approving a mortgage.

Closed-End Mortgage

Closed-end Mortgage is a form of mortgage that bars a borrower from easing their home as equity on a second loan.

Golden State Loan Program

The Golden State Finance Authority (GSFA) provides homebuyer down payment assistance programs to California residents with Platinum Grant & MCC.

Moderate Income Guaranteed Loan

Learn details about the U.S. Government’s USDA-backed housing loans for very low- to moderate-income individuals and families.

Six Reasons to Avoid Private Mortgage Insurance

Private mortgage insurance (PMI) is costly and the coverage only protects your mortgage lender, not you.

Why You Don’t Need Mortgage Protection Life Insurance

This is a different type of mortgage insurance—a guarantee your mortgage will be paid if you die. But take a hard look at what you get before you buy.

Rural Housing Service

Learn more about rural housing services that can help if you are looking to my a home.

What are the Pros and Cons of FHA Loans?

Read more to learn about the pros and cons of FHA Loans.

10 Reasons to Choose a Conventional Mortgage Loan

Shopping for a mortgage should be your first step before you even begin to ponder your housing options.

6 Good Reasons to Refinance Your Mortgage

Read this article to learn some more reasons about why refinancing your mortgage is a good option.

Four Ways Mortgage Insurance Helps Homebuyers

There are few dirtier words to the average home buyer than “mortgage insurance.” Read more about the ways mortgage insurance can help homebuyers.

Secondary Mortgages Vs. Mortgage Insurance

After another rise in FHA mortgage insurance rates during the last year and the announcement that borrowers may be locked into those payment for the life of their loans, a lot of people are taking a second look at second mortgages.

What documents should I receive before closing on a mortgage loan?

Learn more about the documents you will receive when you are closing a mortgage loan

Home Possible Loan Guide

Everything you need to know about Feddie Mac’s Home Possible mortgage programs along with answers to frequently asked questions.

How Often Can You Refinance Your Mortgage?

You can refinance your mortgage as many times as it makes financial sense. If you’re cashing out, you may have to wait six months between refis. Learn more about refinancing multiple times and how long your need to wait.

How do I Get Pre-Approved for a Mortgage?

As you search for a home, there’s an important step to take to help you know what you can afford: getting pre-approved for a mortgage.

How Much Money Do I Need to Put Down on a Mortgage?

When buying a home, one of the biggest up-front expenses is the down payment. How much is the right amount for a down payment and other questions answered.

What Are the Main Types of Mortgage Lenders?

Shopping for a mortgage lender can feel confusing and a little intimidating. Understanding the differences among the main types of lenders can help you narrow down the field.

FHA Loan Bad Credit Score

Read the following article if you have a bad credit score and you are looking to get a FHA Loan.

Loan Checklist

Before you get an FHA mortgage for a new or existing home, your loan and closing checklist will help you prepare properly for the loan process.

FHA Jumbo Loans

Qualifying customers can now apply for an FHA Jumbo Loan up to the maximum allowed by FHA. You can apply for a home loan with 3% down under new FHA loan limits.

Identity Thefts Role in the FHA Loan Process

This timeline shows some of the most headline-grabbing hacks reported in recent years. Remember, these are only SOME of the incidents you may have heard about; each one is a good example of why it pays to continuously monitor your credit.

Identify and Fix Credit Report Errors

Know Your FICO Score: Applicants who fall below the 580 score will have to put down a 10 percent down payment in order to qualify for an FHA mortgage loan.

MIP for FHA Insured Loan

FHA requirements include mortgage insurance (MIP) for FHA loans to protect lenders against losses that result from defaults on home mortgages.

FHA One-Time Construction Loans

The FHA One-Time Close Loan is a secure, government-backed mortgage program for construction projects. All FHA products have the same requirements, but lenders can place additional guidelines on these loans.

Builder Benefits for FHA

The FHA One-Time Close Loan helps contractors with a smooth, start-to-finish process that allows consumers to purchase and build a home with a single mortgage. Builders can make contributions of up to 6% towards closing costs and prepaid items.

FHA Fixed Rate

Home ownership rates in America continue to increase at a steady rate due in a large part to the implementation of HFA home loans insurance program.

Energy Efficient FHA Loans

The Energy Efficient Mortgage Loan Program helps current or potential homeowners significantly lower their monthly utility bills or potential homeowners significantly lower their monthly utility bills by enabling them to incorporate the cost of adding energy efficient improvements into their new home or existing housing.

FHA Growing Equity Mortgages

The FHA Section 245(a) is also called the Growing Equity Mortgage which allows payments start small and increase gradually over time.

FHA Graduated Payment Mortgages

Graduated Payment Mortgages are FHA loans for homebuyers who currently have low to moderate incomes but expect them to increase substantially over the next five to 10 years.

FHA Loans for Condominium Units

FHA Condominium Loans make it possible to purchase housing units in a condominium building. Mortgage insurance for this type of housing is provided through FHA Section 234(c).

Streamline Refi

The FHA Streamline Refinance program gets its name because it allows borrowers to refinance an existing FHA loan to a lower rate more quickly.

FHA Cash-out Refinance Mortgages

This refinancing option is especially beneficial to homeowners whose property has increased in market value since the home was purchased.

FHA Simple Refinance

The FHA Simple Refinance allows homeowners to go from their current FHA loan into a new one, whether it is a fixed-rate loan or an ARM.

Rehabilitation Loans

The FHA 203(k) rehabilitiation program is a good option in cases of federally declared natural disasters that cause property damage or destruction.

The Hope Act

The HOPE for homeowners act was created to help protect qualified homeowners from foreclosure by preventing loan defaults.

Obama Mortgage

The U.S. Government created the Obama Mortgage to help borrowers in financial trouble avoid foreclosure, stay in their homes, and make their mortgage payments more affordable.

FHA Loan Prequalification

FHA home loans were designed to help Americans fulfill their dream of homeownership and are therefore the easiest type of real estate mortgage loan to qualify for.

Common FHA Mortgage Questions

An FHA loan can apply to many different circumstances. Did you know you could qualify for FHA home mortgages for a fixer-upper home?

Answers about FHA Mortgage Loans

An FHA loan can apply to many different circumstances. Did you know you could qualify for FHA home mortgages for a fixer-upper home?

HARP, Obama Mortgage, and Refinancing

Many people refer to government foreclosure avoidance programs as Obama mortgages, but the Making Home Affordable program is basically the original Obama mortgage. IT includes a variety of options for those who need help to better afford their monthly house payments.

Obama Mortgage Refinancing Options

Some borrowers need Obama mortgage help from the Making Home Affordable (MHA) program because they have fallen rebind on their mortgage payments and don't know that what their options might be.

FHA Adjustable Rate Mortgage

FHA Adjustable Rate Mortgages are also known as ARM loans. They are much different than their fixed rate loan counterparts. With an FHA ARM, you will be offered an introductory or "teaser" rate that will expire on a set date. Once that introductory FHA loan rate has expired, the rate will adjust.

FHA Loan: Importance of Home Inspection

The home inspection on the property you buy with your FHA mortgage is something you the borrower must arrange and pay for. It covers the roof, the basement, crawl space, the mechanical systems of the home, foundation, and much more.

Cost of Building a House in 2018

How Much does it Cost to Build a House in 2017? The average price per square foot can range from $75-$400+. Pros and cons to building your own home.

6 Mortgage Programs You Can Get with No Money Down

Buy a house with no money down with these zero-down mortgages - VA and USDA home loans offer 100% financing, there are other loans you get with 0 down.

How to improve your credit score by 100 points in 30 days

Learn how to improve your credit score by 100 points in 30 days with these effective strategies. Proven methods that will increase your FICO score ASAP.

HARP Refinancing Program—Check Your Eligibility

The Harp Refinance Program is ending September 30th 2017. See if you can qualify for the home affordable refinance program before it's too late.

Simple Guide to VA Home Loans in 2018

VA loans are the cheapest type of mortgage there is. Low credit score requirements, NO down payment, NO mortgage insurance. Apply now!

What You Need to Buy a House in 2018

If you’re considering getting a mortgage in the near future you may be wondering “what do I need to buy house?” Mortgage loans can be complicated and have requirements many first-time homebuyers don’t realize. In this article we’re going to go over the various things you need in order to purchase a home.

6 Tips to Buying a Second Home

Tips to buying a second home that will help guide you through the process whether you're looking for a rental property or a vacation home.

Down Payment Assistance

Many people struggle to come up with a 20% down payment when buying a house. But if this is an obstacle, you might be able to qualify for some assistance.

How Much Life Insurance Do I Need?

Our new insurance calculator determines exactly how much life insurance you need and recommends policies that match your needs.

3 Great Reasons to Refinance Your Mortgage

Have you been thinking about refinancing but not sure if it's the right move? Ubermortgage has 3 reasons you should refinance your mortgage.

Refinancing Your Underwater Mortgage

Refinancing an underwater mortgage can be done. Your first step is to check who backs your mortgage. That will tell you which refinance program is best.

Do I qualify for a HARP mortgage?

Use this Guide to determine if you qualify for HARP Home Affordable Refinance Program.

USDA Streamline Assist

How USDA Rural Development streamline refinance loans can help you save money each month. No appraisal, income qualification, or out-of-pocket expenses required.

FHA Credit Counseling

Learn more about how to get FHA Credit Counseling.

What is FHA Mortgage Insurance?

In this guide we discuss everything you need to know about FHA mortgage insurance, what is required of you to take one out, and how much they may cost.

5 Steps to Buying a Home

If you are looking to buy a home, read the following article to learn the main steps involved in the home buying process.

Should I Pay Off My Mortgage

How do you do this? Pay off your mortgage as soon as you can, and definitely pay it off before you retire. And don’t buy a home if you can’t afford to pay it off between five to 10 years.

3 Ways You Could Be Retirement-Ready

Read this article to learn make about how to get ready for retirement.

Does Your Credit Score Affect Your Interest Rate?

If you want to learn about how your credit score can affect your interest rate, read the following article.

How to Change Your Spending Habits

These tips will help you break your spending patterns before they break you.

Down Payment Resource

If you need assistance finding resources to help with down payment programs, read the following article.

USDA Approved Lenders

If you are looking to find information about home mortgages and hiring a USDA approved lender, read the following article.

Principal Definition

Read article to learn about the term principal and how to use it in a sentence.

FHA Residential Loan

If you are looking to get a home loan, FHA residential loan program may be right for you. Read this article to learn more.

Reverse Mortgage

The reverse mortgage program at Primary Residential Mortgage, Inc. enables you to use your home equity as cash for paying bills and other necessities. Contact us today for any questions about our program.

Native American Loan

Interested in learning about Section 184 Indian Housing Loan Guarantee Program? Read this article to learn more.

How to Qualify for a HARP Loan

Ubermortgage is an established company that offers HARP home loans to help people qualify for a refinance. Get in touch with our team today to learn more about our HARP loan program.

Top Loan Types for Unique Situations

A 30-year fixed rate mortgages aren't for everyone. Here's a look at common and unique mortgage types to guide you in talking with lenders about loan options that might suit you.

What Are Government Mortgage Guarantors?

Government mortgage guarantors are government agencies that guarantee repayment of mortgages.

Key Mortgage Terminology

If you are looking to buy a mortgage, read this article to learn key terms to know.

Should you risk being a guarantor for a mortgage?

Helping a friend or family member get their foot on the property ladder can be a rewarding and generous undertaking - but fail to weigh up the consequences and you could soon regret your choice. Here's what you need to consider before signing anything.

Guarantor loans can affect mortgage applications

Agreeing to be a guarantor for a loan can be a big commitment, but did you realise it can also affect your ability to get a mortgage? Find out more.

Things to Consider When Refinancing

Homeowners refinance for many reasons, but some of the most common are for better interest rates, extra cash, and shorter terms. Refinance loans have closing costs just like first mortgages which can sometimes offset the interest rate savings.

4 Steps to Lower Your Mortgage Prepayment Penalty

Paying a mortgage prepayment penalty is never desirable when you are a homeowner.

How to Refinance a Second Mortgage

Knowing how to refinance a second mortgage can be one of the most important things you will ever learn to do as a homeowner.

Closing Costs Kill Refinance Saving

Are you thinking about the savings you will receive from refinancing? Make sure you understand how closing costs may affect these savings.

What is a Cash-Out Refinance?

A cash out refinance has tax benefits that other loans do not, so if you need to borrow money, this is often the smartest way to do that.

Mortgage Recast: Alternative to Refinancing

A mortgage recast is when a mortgage lender recalculates the loan payments by changing a variable in the loan.

How to Dump PMI ASAP

Take these measures to get rid of that pesky PMI.

What is a No-Cost Refinance?

If are considering a no-cost refinance, then read the following article.

Refinancing a mortgage to Pay Off Debt

Refinancing a mortgage can be a smart move but can be a financial disaster if done incorrectly. Understand the pros and cons of consolidating debt with a mortgage refinance.

Cash Out Refinance: Spending Wisely

There are many reasons homeowners choose a cash out refinance. There are good reasons for taking equity out of your home, but there are also some risky reasons.

When is Cash-Out Refinancing a Good Option?

Cash-out refinancing is a process that many homeowners go through every year.

Cash-Out Mortgage Refinance or Home-Equity Loan?

If you are trying to decide between a cash-out refinance and a home-equity loan, there are a number of different things that you are going to need to take into consideration.

5 things you need to know before taking out a home equity loan

Borrowing against home equity can be a convenient way to access cash, but it also carries risk. If you're considering it, here are five things you need to know.


Connect with a Loan Officer

Loan Officer Thomas Johnston

Loan Officer Thomas Johnston | NMLS# 1583463; Arizona, California, Oregon, Texas and Washington

Thomas is your mortgage loan originator, who works side by side with a strong team that shares the same devotion to excellence.
Experienced, knowledgeable, and always up to date on the industry's latest products, Thomas strives to exceed the customers' expectations in each and every transaction.

Do you have any questions? Please call 866-610-6025