John Gutierrez

Licensed Loan Originator TX, PA, VA, OK, LA - NMLS 1011115
Matador Lending, NMLS# 1871433
Mortgage Loan Officer - Matador Lending experienced in Conv, FHA, VA

Renown for excellent client relationships and networking skills with experience in Mortgage Products, Consulting, and Planning. Mortgage Loan Officer for Network Funding, LP experienced in Conventional, FHA, and VA Loans. Skilled at mortgage planning and client needs assessments. I treat every one of my clients with white-gloved concierge styled service. After speaking to my clients about their goals and expectations for the home buying process, their needs are assessed and a plan is executed to cater specifically to each individual, going above and beyond their expectations. I prepare them for what to expect during the process and how together we can make it go more smoothly. Your home buying experience shouldn't be filled with hassles and uncertainty. I work very hard so my clients do have to. I am knowledgeable about the mortgage process and available products so I can deliver the best information and match my clients with the best programs. In my spare time I am a Lieutenant with my local Fire Department as a firefighter/driver/and EMT. My love of taking care of people goes beyond my work. I love being active and outdoors enjoying golf, kayaking, football, baseball, soccer, and mountain biking.

Timeline Photos 04/04/2021

Happy Easter from the Matador Family! Hope you have an eggcellent day 🐰🥚

#happyeaster #easter #matadorlending #mortgagebrokers

Happy Easter from the Matador Family! Hope you have an eggcellent day 🐰🥚

#happyeaster #easter #matadorlending #mortgagebrokers

Timeline Photos 03/19/2021

Mortgage rates directly impact a buyer's required monthly payment. A 1% drop in rates not only drops the amount paid over the life of the loan, but can add up to $30k to your budget!

#matadorlending #mortgagebroker #mortgage #finance #lowrates #texasbrokers #firsttimehomebuyer #refinance #investments #homebuyer

Mortgage rates directly impact a buyer's required monthly payment. A 1% drop in rates not only drops the amount paid over the life of the loan, but can add up to $30k to your budget!

#matadorlending #mortgagebroker #mortgage #finance #lowrates #texasbrokers #firsttimehomebuyer #refinance #investments #homebuyer

Timeline Photos 03/04/2021

Looking for a home loan, but not sure which loan is best for you? Some of the most common loan types are FHA and conventional loans. Check out this chart to see the difference between both! ✨

#matadorlending #mortgagebroker #homeloans #finance #refinance #firsttimehomebuyer #fha #conventional #fhavsconventional

Looking for a home loan, but not sure which loan is best for you? Some of the most common loan types are FHA and conventional loans. Check out this chart to see the difference between both! ✨

#matadorlending #mortgagebroker #homeloans #finance #refinance #firsttimehomebuyer #fha #conventional #fhavsconventional

Timeline Photos 02/18/2021

Living in Texas and need a mortgage? We're licensed and ready to help you out in TX and several other states!

#matadorlending #mortgagebroker #texasbroker #texasmortgage #finance #lending #refinance #purchase #houston #dallas #sanantonio #austin

Living in Texas and need a mortgage? We're licensed and ready to help you out in TX and several other states!

#matadorlending #mortgagebroker #texasbroker #texasmortgage #finance #lending #refinance #purchase #houston #dallas #sanantonio #austin

7 Steps to Get Water Flowing in a Frozen Pipe 02/15/2021

7 Steps to Get Water Flowing in a Frozen Pipe

7 Steps to Get Water Flowing in a Frozen Pipe When the temperatures drop, the water pipes at your property may be at risk. Here are seven tips for thawing a frozen pipe.

02/08/2021

Better Rates, Better Service, Better Costs... Just Plain Better

🔥 Lower rates, better service, cheaper cost overall.🔥 If your mortgage company had an ad during the superbowl... you probably paid too much! 🤣🤣 I am independent which means cutting out all the middleman charges and you already know I will take care of you better than anyone else.

Timeline Photos 02/05/2021

Thinking about refinancing your current home or invest property? Our process is simple ⭐️

#matadorlending #mortgagebrokers #refinance #texas

Thinking about refinancing your current home or invest property? Our process is simple ⭐️

#matadorlending #mortgagebrokers #refinance #texas

Timeline Photos 01/29/2021

Thinking about purchasing a home in 2021? Here are some of the documents needed to apply for a mortgage ⭐️

#matadorlending #mortgagebrokers #firsttimehomebuyer #finance #loans #houston #texas

Thinking about purchasing a home in 2021? Here are some of the documents needed to apply for a mortgage ⭐️

#matadorlending #mortgagebrokers #firsttimehomebuyer #finance #loans #houston #texas

Timeline Photos 01/19/2021

Is purchasing a home one of your goals for 2021?
Our loan process is easy! Connect with us and we'll take it from there! ✨

www.matadorlending.com/john
#matadorlending #mortgagebroker #mortgageadvisor #realestate #refinance #firsttimehomebuyer

Is purchasing a home one of your goals for 2021?
Our loan process is easy! Connect with us and we'll take it from there! ✨

www.matadorlending.com/john
#matadorlending #mortgagebroker #mortgageadvisor #realestate #refinance #firsttimehomebuyer

12/03/2020

When determining how much house you can afford, it’s important to factor homeowners insurance and property taxes into your monthly payment. Still have questions? Call today and let us crunch the numbers for you.

08/16/2020

Some inconveniences are simply out of our control, but we can always adjust to reach our goal. If it’s your mortgage that needs adjusting, reach out, I can help!

08/15/2020

One of my favorite things about being a mortgage broker is finding approvals for clients that were denied everywhere else. People who thought they’d be renting forever are now happy homeowners. When you’re ready to join them message me and we’ll get started!

08/14/2020

Rates are still very low and its a fantastic time to refinance. With our VA Programs you might be eligible for a reduced document program with rates in the 2's!! Reach out to us today to find out more.

08/07/2020

It's not been a secret we have been locking rates below 3% for a bit now, its not too late, don't miss out there is still time! DM me for more info. #realestate #mortgagetips #savingmoney #homeownership #timetobuy #hotmarket

08/06/2020

In recent years, rental prices have been rising rapidly in the United States. But while the cost of renting is going up, owning a home of your own has actually gotten more affordable. Mortgage rates are low, making this a great time to break the rental chain and buy a home of your own. If you’re ready to buy, DM me to discuss the first steps toward homeownership that will work best for you.

#realestate #timetobuyahome #homeownership #homebuying #realestategoals #realestatetips #realestatelife #realestatenews #realestateagent #realestateexpert #firsttimehomebuyer #opportunity #housingmarket #homegoals #housegoals #starterhome #dreamhome #rentingtoowning #rentproblems #renterproblems

listreports.com 08/05/2020

www.listreports.com

Want to know how much home you can afford? Math is hard, I can do it for you! #thehelpfulLO #home #listreports #math #numbers #homeloan #loanofficer #realestate #themoreyouknow

listreports.com

08/05/2020

Do you want a lower monthly mortgage payment? Call us today about our Elite program!

08/05/2020

John Gutierrez's cover photo

01/27/2020

We make home-buying feel real simpl...

Get pre-qualified today!

01/25/2020

Homebuyer demand is up 30% to its highest level in 10+ years! Get a leg-up on the competition by getting pre-qualified in just minutes with our SIMPL application!

01/24/2020

Weekly Market Update: Focus on New Virus

The primary influence on mortgage rates this week came from a very unexpected source. Concerns about a new virus spreading in China had a positive impact on rates, while the reaction to the economic data was small. As a result, rates ended the week a little lower.

Pricing is +.250 better on average this week.

Last weekend, news stories emerged about the spread of the dangerous new coronavirus in China. As the number of reported cases increased, investors grew more concerned that global economic growth could slow due to decreased travel and export activity in the region. Since slower growth reduces future inflationary pressures, this was positive for mortgage rates.

The most significant economic data released this week came from the housing sector, and lower mortgage rates have helped boost sales activity. In December, sales of previously owned (existing) homes increased more than expected from November and were 11% higher than a year ago. National median existing-home prices were up 8% from a year ago.

A lack of inventory remained a headwind in many regions, as the number of homes for sale fell to just a 3.0-month supply nationally, well below the 6.0-month supply which is considered a healthy balance between buyers and sellers. Inventory is now at the lowest levels since tracking began in 1982.

Thursday's European Central Bank (ECB) meeting was in line with investor expectations and had little impact on US mortgage rates. As expected, European benchmark rates were held steady. The ECB announced that it will launch the first strategic review of its policy objectives and tools since 2003.

Looking ahead, New Home Sales will be released on Monday. The next Fed meeting will take place on Wednesday. Investors expect that there will be little change in the Fed's guidance about future policy, but any surprises could affect mortgage rates. First quarter gross domestic product (GDP), the broadest measure of economic activity, will come out on Thursday. The core PCE price index, the inflation indicator favored by the Fed, will be released on Friday. In addition, news about the coronavirus, the US elections, or the trade negotiations with China could have an influence.

Weekly Change:
10yr Treasury fell 0.10
DOW fell 200
NASDAQ rose 25

01/23/2020

Home is a really good feeling.

01/22/2020

"Nineteen percent of Millennials (those born between 1981 and 1996) said they planned to become homeowners over the next 12 months as did 13 percent of those in Gen Z. The oldest members of the latter cohort are only 22, so they at least plan on becoming homeowners at a much younger age than did Millennials. Among Gen X (born between 1965 and 1980) 12 percent had homebuying plans but only 5 percent of Baby Boomers.

The share of prospective homeowners who would be first-time buyers was 10 percentage points higher than a year earlier at 63 percent. Not surprisingly, nearly all Gen Z individuals who plan to buy would be novice homeowners (88 percent) compared to 78 percent of Millennials, 57 percent of Gen X'ers, and only 20 percent of Boomers...

Forty percent of all prospective buyers expressed an interest in purchasing an existing home while 19 percent will be shopping for a newly built one. The remaining 41 percent would buy either type, a percentage that held across all generations."

Source: mortgagenewsdaily.com

01/21/2020

"Lenders use a standard formula to calculate the monthly payment that allows for just the right amount to go to interest vs. principal in order to precisely pay off the loan at the end of the term...

Here’s how it works:

In the beginning, you owe more interest, because your loan balance is still high. So most of your monthly payment goes to pay the interest, and a little bit goes to paying off the principal. Over time, as you pay down the principal, you owe less interest each month, because your loan balance is lower. So, more of your monthly payment goes to paying down the principal. Near the end of the loan, you owe much less interest, and most of your payment goes to pay off the last of the principal. This process is known as amortization."

Source: consumerfinance.org

01/20/2020

"The time is always right to do what is right."

#MLKDay

01/18/2020

Homebuyer demand is up 30% to its highest level in 10+ years! Get a leg-up on the competition by getting pre-qualified in just minutes with our SIMPL application!

01/17/2020

Weekly Market Update: Housing Starts Surge

It was a quiet week for mortgage rates. There were no significant new developments with China or Iran, and the reaction to the economic data was small. As a result, rates ended the week nearly unchanged.

Pricing is very close to where it was last Friday.

A lack of inventory has been holding back home sales in many regions, so Friday's report on home construction was very encouraging. In December, housing starts rocketed 17% from November, which completely blew away the consensus forecast, and were at the best level since 2006. They were a massive 41% higher than a year ago. The strength was seen across the board in both single-family and multi-family units.

Since consumer spending accounts for about 70% of all economic activity in the US, the monthly retail sales data is a key indicator of growth. The latest report revealed that consumer spending remained solid during the important holiday shopping season. In December, retail sales rose 0.3% from November and were up an impressive 5.8% from one year ago. Once again, the greatest improvement was seen in online sales.

As expected, inflation held steady in December. According to the Consumer Price Index (CPI), a widely followed monthly inflation report that looks at the price change for goods and services, core inflation was 2.3% higher than a year ago. This was the same annual rate of increase as last month.

Looking ahead, it will be a very light week for economic data. Of note, Existing Home Sales will be released on Wednesday. Beyond that, the next European Central Bank meeting will take place on Thursday. In addition, news about Iran or the trade negotiations with China could have an influence.

Weekly Change:
10yr Treasury flat 0.00
DOW rose 500
NASDAQ rose 200

01/16/2020

Home is a really good feeling.

01/15/2020

"After the housing crash and as the recovery began home builders ratcheted up the size of the homes they were building because the profit margin was higher on larger homes. There was also a lot of competition at lower price points from the numbers of distressed properties for sale. Now they are not only rethinking that strategy but apparently acting to reverse it.

Paul Davidson, writing in USA Today, says it is getting easier to find smaller and more affordable newly constructed homes. One builder... told Davidson that homes priced under $300,000 made up about 50 percent of the company's production last year, up from 20 to 30 percent in the previous six years...

The Census Bureau's new home sales report for November shows that new homes priced between $200,000 and $299,000 comprised about 34 percent of year-to-date sales and the median price of a new home in the third quarter was $311,000 according to NAHB.

Davidson points out that prices keep climbing and vary widely by market, so the size of homes is more telling. The Census Bureau says from 2015 to 2018 the share of new homes under 2,400 square feet increased 4 points to 51 percent."

Source: mortgagenewsdaily.com

01/14/2020

"Many ARMs will start at a lower interest rate than fixed rate mortgages. This initial rate may stay the same for months, one year, or a few years. When this introductory period is over, your interest rate will change and the amount of your payment is likely to go up.

Part of the interest rate you pay will be tied to a broader measure of interest rates, called an index. Your payment goes up when this index of interest rates increases. When interest rates decline, sometimes your payment may go down, but that is not true for all ARMs. Some ARMs set a cap on how high your interest rate can go. Some ARMs also limit how low your interest rate can go.

Know how your ARM adjusts. Before taking out an adjustable rate mortgage, find out:

- How high your interest rate and monthly payments can go with each adjustment
- How frequently your interest rate will adjust
- How soon your payment could go up
- If there is a cap on how high your interest rate could go
- If there is a limit on how low your interest rate could go
- If you will still be able to afford the loan if the rate and payment go up to the maximums allowed under the loan contract."

Source: consumerfinance.gov

01/13/2020

We make home-buying feel real simpl...

Get pre-qualified today!

01/11/2020

January is now officially the beginning of home-shopping season. Get a head start on the competition by getting pre-qualified in just minutes with our simpl application!

01/10/2020

Weekly Market Update: Wage Growth Slows

Weaker than expected labor market data was positive for mortgage rates this week, while an easing of tensions with Iran was negative. Neither influence was large, and rates ended the week nearly unchanged.

Pricing is flat since last Friday.

Against a consensus forecast of 160,000, the economy added just 145,000 jobs in December, and revisions subtracted 14,000 jobs from the results for prior months. Average job gains over the last three months still are an impressive 184,000. Hiring was strong in retail and construction, while weakness was seen in manufacturing and transportation.

The primary source of unexpected weakness came from another major component of the Employment report which measures wage growth. Average hourly earnings were just 2.9% higher than a year ago, down from 3.1% last month, and the smallest annual rate of increase since July 2018.

In apparent retaliation for last week's killing of a top Iranian military official, Iran launched rockets at an Iraqi military base which hosts US troops on Tuesday night. Concerned that this could lead to a major conflict in the Middle East, investors were watching the situation closely. However, President Trump took a very conciliatory tone in a press conference on Wednesday, and it looks like both sides want to avoid further escalation.

Looking ahead, the Consumer Price Index (CPI) will come out on Tuesday. CPI is a widely followed monthly inflation report that looks at the price change for goods and services. Retail Sales will be released on Thursday. Since consumer spending accounts for about 70% of all economic activity in the U.S., the retail sales data is a key indicator of growth. Housing Starts will come out on Friday. In addition, news about Iran or the trade negotiations with China could have an influence.

Weekly Change:
10yr Treasury rose 0.03
DOW rose 300
NASDAQ rose 200

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Better Rates, Better Service, Better Costs... Just Plain Better
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Network Funding Restoring The American Dream

Location

Category

Products

Residential Home Loans
Conventional Loans
FHA Loans
VA Loans
Home Loan Refinance

Telephone

Address


3033 Chimney Rock Suite 605
Houston, TX
77056
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