Today’s mortgage lending environment is more difficult than ever. Working with a loan officer who understands the mortgage industry and can navigate the constant changing guidelines and demands is essential to successfully purchasing the home of your dreams, or refinancing your current loan to a lower interest rate.
John Pinkley and his team at Compass Mortgage take a consulting approach to your residential mortgage needs by carefully evaluating your specific scenario and searching many lenders to find the perfect fit for you.
John believes that a happy client is his most valuable asset and most effective advertising. Utilizing 3 key characteristics: Experience, Reliability, and Integrity, John’s goal is to consistently create a positive experience for his clients, which will forge long term relationships of respect, confidence, future business, and referrals from them. John has been originating loans since 1998.
Over the last 18 years, he worked as an independent Mortgage Banker, managing and operating his own mortgage branch, and as a Sr. Mortgage Loan consultant for a Community Bank. He understands the importance of professional financing for his clients, the realtors he works with, and his overall future success.
Now a VP Mortgage Banker with Compass Mortgage, John is able to continue to focus on the principles which have guided him in this challenging business. Compass Mortgage is a Mortgage Banker with operating licenses in IL, FL, AZ, CA, CO, GA, IN, IA, MI, TX, and WI.
John is available most waking hours, not adhering to traditional “banker’s hours”. Clients find that he nearly always answers the phone (rarely going to voicemail), and is genuinely concerned with their needs. He is always upfront and honest with his clients on their loan’s status.
Extensive research of each loan is done upfront, which allows John to assess the loan’s ability to close and any potential pitfalls prior to clients paying any application or appraisal fees. This is unlike many big banks’ strategy of taking applications and collecting fees without assessing the loan’s approvability.
In addition to impressive customer service, John has the following extensive line of Purchase and Refinance products available to his clients with Compass Mortgage:
- Conventional and Jumbo Loans
- FHA Loans
- FHA 203k Rehab Loans
- VA Loans
- Portfolio Lending (offering “Common Sense Underwriting” of Owner Occupied, Jumbo, Investment, or Condo Loans which do not meet conventional or FHA guidelines)
- Portfoilio Construction Loans
- Portfoilio Lot Loans
- Bridge Loans
- Home Equity Loans or Lines of Credit