Mortgage King

Make up your mind that no matter what comes your way, no matter how difficult, no matter how unfair, you will do more than simply survive. You will thrive in spite of it. #444

Cant wait for the next trip with my loved one…

"Love has nothing to do with what you are expecting to get–only with what you are expecting to give–which is everything."

4.16 star review received on Experience.com for Johnemy Otero by Milaidys R - Johnemy was a good guide throughout the purchase process, until the end of it. I would definitely recommend him.

New ★★★★★ 4.16 Star Experience.com Review by Milaidys R Click to see all 144 reviews of Johnemy Otero,
Loan Officer NMLS # 1889048

5.0 star review received on Experience.com for Johnemy Otero by Michele G - Johnemy did an excellent job communicating with me throughout the process. I was the listing agent and after receiving 10 offers on my listing, Johnemy's communication was a determining factor in getting his client's offer accepted. He remained true to his word and kept me in the loop throughout the process with each milestone. I would 100% recommend Johnemy!

New ★★★★★ 5 Star Experience.com Review by Michele G Click to see all 69 reviews of Johnemy Otero,
Loan Officer NMLS # 1889048

5.0 star review received on Experience.com for Johnemy Otero by Zeydaris G D L - Very helpful with keeping clients update with every step.

New ★★★★★ 5 Star Experience.com Review by Zeydaris G D L Click to see all 38 reviews of Johnemy Otero,
Loan Officer NMLS # 1889048

5.0 star review received on Experience.com for Johnemy Otero by Wigberto C M - From the beginning he was a very responsible and dedicated person. He looked for the best alternative to have the best loans. He sought to give us the best interest rate and different loan options. In addition, he informed us of the requirements that each part of the Loans entails. His charisma shows a method of trust towards the client. His dedication expresses his responsibility and love for his work. I am grateful for his performance and I will recommend him to someone

New ★★★★★ 5 Star Experience.com Review by Wigberto C M Click to see all 37 reviews of Johnemy Otero,
Loan Officer NMLS # 1889048

Call me!!!!

Don't let poor credit stand in the way of homeownership!

- http://JOtero.myprmg.net

5.0 star review received on Experience.com for Johnemy Otero by Guermine S. - You are very much helpful and very nice

New ★★★★★ 5 Star Experience.com Review by Guermine S Click to see all 36 reviews of Johnemy Otero,
Loan Officer NMLS # 1889048

5.0 star review received on Experience.com for Johnemy Otero by Anderson V. - Smooth closing transaction

New ★★★★★ 5 Star Experience.com Review by Anderson V Click to see all 35 reviews of Johnemy Otero,
Loan Officer NMLS # 1889048

4.83 star review received on Experience.com for Johnemy Otero by John Agustine M. - the casual nature for a younger client was very helpful in relieving the anxiety surrounding the biggest purchase on a person's life. his availability was great; very often quick to respond and notify me of anything important.

New ★★★★★ 4.83 Star Experience.com Review by John Agustine M. Click to see all 32 reviews of Johnemy Otero,
Loan Officer NMLS # 1889048

5.0 star review received on Experience.com for Johnemy Otero by Angelica P. - Thank you for always communicating with myself and the client. For your dedication and hard work

pro.experience.com

5.0 star review received on Experience.com for Johnemy Otero by Daniel B. - Working with Johnemy was pleasant & informative. He explains the process clearly & is very straight forward. This was important to me since I was a first time home buyer.

New ★★★★★ 5 Star Experience.com Review by Daniel B. Click to see all 30 reviews of Johnemy Otero,
Loan Officer NMLS # 1889048

5.0 star review received on Experience.com for Johnemy Otero by Sabrina M. - He was efficient, responsive and knowledgeable. I'll definitely send more clients his way.

New ★★★★★ 5 Star Experience.com Review by Sabrina M. Click to see all 29 reviews of Johnemy Otero,
Loan Officer NMLS # 1889048

5.0 star review received on Experience.com for Johnemy Otero by Victor A S. - Customer service at anytime needed

New ★★★★★ 5 Star Experience.com Review by Victor A S. Click to see all 25 reviews of Johnemy Otero,
Loan Officer NMLS # 1889048

Thinking about purchasing a home? Keep these few things regarding your credit in mind when doing so! 📸📸📸
If you are a first time homebuyer, or looking to refinance and want to know more information on owning/refinancing a home with my team today, give me a call at 908-636-3756 or contact me via email at [email protected] 📸📸📸

# grateful 📸📸

It was a pleasure working with you ! You always answer my phone calls or my text you were very informative and understand . I can honestly say it was a wonderful experience. Thank You 🎉🎉🎊🥳🥳😊

New ★★★★★ 5 Star SocialSurvey Review by Stay S. Click to see all 19 reviews of Johnemy Otero, Loan Officer NMLS # 1889048

Today’s rates are just about 3%, but experts forecast rates to rise over the next few years.

If you are currently renting or your interest rate on your current mortgage is higher than today’s average, take advantage of this opportunity by making a move and securing a lower rate. Lower rates mean you may be able to get more house for your money and still have a lower monthly mortgage payment than you might expect. Rates are slowly on the rise as you see in this graph.

Waiting, however, might mean you miss out on this historic opportunity. Also attached is a chart showing how your monthly payment will change if you buy a home as mortgage rates increase.

When mortgage rates rise, so does the monthly payment you can secure.
Even the smallest increase in rates can make a difference in your monthly mortgage payment.
As interest rates rise, you’ll need to look at a lower-priced home to try and keep the same target monthly payment, meaning you may end up with less home for your money.
No matter what, whether you’re looking to refinance, make a move up, or downsize to a home that better suits your needs, now is the time. Even a small change in interest rates can have a big impact on your purchasing power. Contact me directly at 908-636-3756 or email me at [email protected]

🚨🚨What’s the difference between an FHA loan and conventional loan? Purchasing a home is one of the most invigorating experiences a person can accomplish. Now finding the right professionals is a whole another conversation.. who you choose matters!! Did you know that my team and I are a direct lender and we process and underwrite everything in house ! 💵 GUARANTEED SMOOTH CLOSING FOR OUR TRANSACTIONS! 📸📸📸📸

If you are a first time homebuyer, or a current client and want to know more information on owning a home, give me a call at 908-636-3756 or contact me via email at [email protected]. 📸📸📸
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The question for every adult looking for a roof over their head- should I rent or buy? While the substantial cost of both time and money that comes with homeownership, as well as the prospect of maintenance work, con prove daunting, the pros of buying a place to truly call your own far outweigh the cons. While renting may seem cheaper then taking out a mortgage on the outset, running the numbers reveals that homeowners come out ahead! 📸 📸📸📸
If you are a first time homebuyer, or a current client and want to know more information on owning a home, give me a call at 908-636-3756 or contact me via email at [email protected]. 📸📸📸
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Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income. This number is one way lenders measure your ability to manage the monthly payments to repay the money you plan to
! 📷 📷📷📷
If you are a first time homebuyer, or a current client and want to know more information on owning a home, give me a call at 908-636-3756 or contact me via email at [email protected]. 📷📷📷
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PRMG has "One Time Close" options to make financing simpler for you! Give me a call to learn more!

- http://JOtero.myprmg.net

🚨🚨🚨 CLOSING ALERT! Congratulations to my client for closing on this home in Woodbridge NJ 📷 This transaction had a few hurdles but we all collaboratively worked together and made it happen! 📷 📷📷📷
If you are a first time homebuyer, or a current client and want to know more information on owning a home, give Johnemy a call at 908-636-3756 or contact him via email at [email protected]. Shoutout to the team 📷📷📷
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I had a very confusing/frustrating situation. I had every kind of circumstance that could of happened probably happen. We were on the phone for hours and we were both working hard to figure out how to solve for every situation that happened. At the end of the day we did it, after countless hours on the phone and the constant heads I gave Johnemy, we were able to close. I appreciate his hard work and I will recommend him to everyone.

New ★★★★★ 5 Star SocialSurvey Review by Nicholas R. Click to see all 19 reviews of Johnemy Otero, Loan Officer NMLS # 1889048

Should you rent or own?

- http://JOtero.myprmg.net

John made everything smooth and easy for us, always there the whole time. Explained everything in a way we would understand. The whole process was done in a timely manner because he and his team were really there to help and support us. He’s awesome! Highly recommended!!!!

New ★★★★★ 5 Star SocialSurvey Review by Lowela L. Click to see all 18 reviews of Johnemy Otero, Loan Officer NMLS # 1889048