Nate Johnson - Guild Mortgage

Been having some fun utilizing AI to create some potential mascots. This is the one I like the most so far.

Any name recommendations?

Starting or growing a business isn’t easy—it takes time, consistency, and a whole lot of faith. One of the biggest things that makes the journey worthwhile is having supportive friends and family along the way.

Something as simple as a like, share, referral, or kind word can make a bigger impact than you realize.

I just want to say how grateful I am for each of you who has supported me in any way—whether big or small. It truly means a lot and doesn’t go unnoticed🙏

Thank you for being part of my journey.

💡DID YOU KNOW?🏡

An Adjustable-Rate Mortgage (ARM) can lower your monthly payment compared to a traditional 30-year fixed loan—especially in the early years.
👉Many ARMs start with a lower interest rate, which could save you hundreds per month
👉If you plan to move, refinance, or upgrade within 5–10 years, you may never even see the rate adjust
👉Plus, today’s ARMs come with built-in rate caps to help protect you from large payment increases
🏡For the right buyer, an ARM isn’t risky—it’s strategic
Interested in learning more?👇
📩DM me or message me anytime

One of the biggest concerns I’m seeing right now:

“I'm waiting for rates to drop.”

Here’s the reality👇With current market conditions, we’re frequently able to secure seller concessions that can be used to buy down your interest rate.

That means:
✔ Lower payments today
✔ More negotiating power than we’ve seen in years
✔ Opportunity for future refinance if/when rates drop
The strategy matters just as much as the rate.
If you want to understand your options, I’m happy to map it out with you.

🏡 What is House Hacking… and how can it help you get into a home or grow your investment portfolio?

If you’ve ever wished your home could help pay for itself… that’s exactly what house hacking is all about.
👉 House hacking means buying a home and renting out part of it—like a basement apartment, extra bedrooms, or even separate units like a duplex —to offset your mortgage. Some of the benefits include:

✅ Lower your monthly housing payment
✅ Get landlord experience on a smaller, manageable scale
✅ Live in the property while your tenants help cover the cost
For example:
You buy a home, live upstairs, and rent out the basement… and suddenly your biggest expense becomes much more affordable. 🙌
The best part? There are loan programs that make getting into these properties a reality.

If you’re curious what this could look like for YOU, message me—I’m happy to break it down

🏡If you could buy a home this year BUT the interest rate wasn’t your “ideal”… would you:

A) Wait and hope rates drop📉

B) Buy now and refinance later🔁

C) Keep renting and stay flexible🏃‍♂️

D) Utilize house hacking to offset your payment 🏘️

👉 Curious what YOU would do (and why)?

"A 30-year mortgage is ‘the best instrument in the world,' Buffett said. ‘Because if you're wrong and rates go to 2%, which I don't think they will, you pay it off. It's a one-way renegotiation. It is an incredibly attractive instrument for the homeowner, and you've got a one-way bet.'"

That "one-way" setup comes down to refinancing. A borrower locks in a fixed rate for 30 years. If rates drop later, the loan can be refinanced into a lower rate. If rates rise, the original rate stays untouched.

https://finance.yahoo.com/economy/policy/articles/billionaire-warren-buffett-says-30-154604208.html

In today’s market, referrals aren’t just helpful—they’re the lifeblood of my business.

As a lender, I’ve seen firsthand how much the landscape has shifted. There's a lot of misinformation out there causing uncertainty in the market. Having access to someone you can trust matters more than ever.

✅ Relationships over transactions – This business isn’t about generating a one-time deal, it’s about long-term connections and helping people navigate through the mists of misinformation.

✅ Consistency in an unpredictable market – When markets shift, referral-based business is what keeps things steady and sustainable.

✅ Real education leads to empowerment - Educated borrowers make smarter decisions when it comes to buying a home.

I just want to take a moment to say THANK YOU 🙏

To everyone who has trusted me enough to send friends, family, and clients my way—I truly appreciate you. It means more than you know, and I don’t take that trust lightly.

I’m always here to take great care of anyone you send my way. Let’s keep helping people win 🏡💪

Is now a good time to refinance? 🤔
The answer: it depends on your situation — not just today’s rate, even though rates are healthy compared to where they’ve been over the last couple of years.
A refinance can make sense if it helps you:

⬇️Lower your monthly payment
🤑Pay off high‑interest debt
✅ Shorten your loan term
🚫Get rid of PMI
💰Access equity for the right reasons
🔐Get into a fixed rate