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headshot
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, Inc. and are subject to change without notice. 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).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

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.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. 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.