Mark Johnson
VP of Mortgage Lending

Most mortgage lenders probably weren't raised on a farm in Eastern Washington, learning to drive a truck before a car, plunging their hands into the Earth, harvesting wheat as a 12-year-old from the crack of dawn until after sunset.

But Mark was.

During these formative years, he grasped the timeless values of curiosity and a relentless work ethic. A few years later, these same values landed him a robust sales gig for Bose Corporation where—as a budding college student—he was flown around the country selling newly-invented speaker technology.

After 10 years at Bose climbing the ranks to national sales manager of the catalog division ("and if that doesn't date me, I mean really what does?!"), Mark became captivated by the people-centric nature of the real estate industry. He was particularly fascinated by the unique work loan officers conducted to help ordinary people secure the most critical asset of their lives: a home.
"I realized just how real the barrier was between renting a home and being able to buy one and I felt that I could really change people's lives by helping them break through that barrier."

Mark has been a lender since 1999 working with borrowers and realtors from all backgrounds and walks of life. He specializes in first-time home buyers, FHA/VA financing, complex-income borrowers, and condo financing. He has been the preferred lender for large, multi-home projects such as The Hideaway in Goleta, Vineyard Village in Buellton, and Pasadera in Guadalupe.

For his clients, he delivers an unparalleled level of communication and charisma, check-in calls every Tuesday, expert knowledge of even the trickiest loans, and a human touch that softens the entire process.

When Mark isn't tirelessly fighting for your loan, you'll find him meditating, venturing to the beach with his husband Craig and his pup Plover, and sipping a chilly Manhattan served up after work.

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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.