Education and service, focused on saving you money, growing your wealth, and making the whole process less stressful!

Have a trusted loan consultant on your side

Making the right decisions for your home financing means working with someone who cares about earning your trust through transparency, consistency, honesty, and education. I’ve gone through the home-buying process, and I know how uncertain and uncomfortable it can be. My goal is for you to never feel that way. Let’s partner together and I will show you why my clients love working with me!

  • "It has been the best lender experience we have ever had. I appreciate your guidance through all of this!"

    J.G.

  • "John Harnecker was absolutely incredible. He was super responsive and answered any questions I had when they came up. I couldn't have asked for better communication."

    B.R.

  • "The best part of our experience was working with John Harnecker"

    M.S.

  • "John made buying our first home a phenomenally smooth and stress-free experience."

    D.F.

  • "John did a great job securing our home loan quickly and worked well to have the seller accept our offer."

    T.S.

  • "They made it seem so effortless even though I am sure behind the scene it wasn't. I am so thankful to have worked with such a wonderful, competent team! I HIGHLY HIGHLY recommend them."

    M.V.

FAQs

  • I specialize in loans for residential homes from 1 to 4 units whether it's for your primary residence, a vacation home, or an investment property. We have tons of loan types available, and you might qualify for many. Showing you the pros and cons of each, discussing strategy, and letting you make the decision that is right for you is how I operate.
    Conventional, FHA, VA, USDA, Jumbo, Down Payment Assistance, Rehab, Construction, Bank Statement, HELOCs, ARMs, Refinance, DSCR, Alternative Income, Non-QM

  • There are many loan programs available, with down payments as low as 0%. With the right strategy, you can make the choice that works best for you.

  • A pre-approval is what sellers want to see when you make an offer on a home. It means your lender has actually reviewed your documents and information, and is giving a stamp of approval. A pre-qualification is just a rough estimation of what you might be able to afford based off of casually provided information.

  • Pre-approvals are usually good for 120 days, and are easy to refresh.

  • With the right plan and the right loan product, there are many options for all types of credit levels. Let's see what fits you!

  • I've delivered rock-solid pre-approvals in less than an hour. This isn't for everyone, but rest assured, I give my clients my all!

  • The last thing you want to do is count yourself out without the advice of an expert. I want to help everyone get a home of their own. Let's connect to see what possibilities are out there for you!

  • Private mortgage insurance! This is a way for folks with less than 20% down to be able to buy a home. It's a great tool to allow more people to buy that might not have been able to before. It's also not required on every loan type.

  • Usually one month's paystubs, two months' bank statements, a copy of your ID, and the last two years' W2s. However, with our technology, I am oftentimes able to pre-approve with less!

The Loan Process

Loan process

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