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Sarah Johnson
Senior Loan Officer
First National Mortgage
123 Main Street
Springfield, IL 62701
(555) 123-4567
Direct Line
Mon-Fri: 8AM-6PM
Sat: 9AM-2PM
15+ Years Experience
NMLS #123456
About Sarah Johnson
Sarah Johnson is a dedicated Senior Loan Officer with over 15 years of experience helping families achieve homeownership. Known for her patient approach and transparent communication, she has successfully closed over $50 million in residential mortgages. Sarah specializes in first-time homebuyers, VA loans, and finding creative solutions for complex financing needs.
Questions & Answers
What credit score do I need to qualify for a mortgage?
The minimum credit score varies by loan type. Generally, conventional loans require a 620 or higher, while FHA loans can sometimes be approved with scores as low as 580. A higher score will always get you a better interest rate.
How much do I really need for a down payment?
It's a myth that you always need 20% down. FHA loans require as little as 3.5%, and some conventional loans allow for 3-5% down. VA and USDA loans can even offer 0% down for eligible borrowers. We can explore programs to find what works for you.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate of what you might be able to borrow based on self-reported information. Pre-approval is a much more formal process where we verify your income, assets, and credit to give you a firm loan commitment. A pre-approval makes your offer much stronger.
Reviews & Testimonials (127 Reviews)
What clients say about Sarah:
Michael & Susan S.
February 15, 2024
Sarah was incredibly responsive and knowledgeable throughout the entire process. She made our first home buying experience smooth and stress-free. We couldn't have asked for a better loan officer! We felt supported and informed every step of the way.
Sarah Johnson responded • February 16, 2024
Thank you, Michael and Susan! It was a pleasure working with you both. I'm so happy we found the perfect loan for your beautiful new home. Wishing you all the best!
Jennifer L.
January 28, 2024
As a veteran, navigating the VA loan process was intimidating. Sarah was an absolute pro. She explained everything clearly, was patient with my endless questions, and got me a fantastic rate. Highly recommend for any fellow veterans!
Sarah Johnson responded • January 29, 2024
Jennifer, thank you for your kind words and for your service. I'm honored I could help you utilize your VA loan benefits. Enjoy your new home!
David R.
December 10, 2023
We had a complex situation with self-employment income, but Sarah handled it with ease. She was professional, trustworthy, and always had our best interests at heart. We are so grateful for her expertise and wouldn't be in our dream home without her.
Sarah Johnson responded • December 11, 2023
David, thank you for trusting me with your loan. Self-employment files can be tricky, but I'm glad we could put all the pieces together for a successful closing. Congratulations!
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Want to Work with Sarah?
I'm here to guide you through every step of your mortgage journey with personalized service and expert knowledge.
With 15+ years of experience helping families achieve their homeownership dreams, I'll work tirelessly to find you the best rates and loan options for your unique situation.