John Farrell - Mortgage by John

John Farrell - Mortgage by John Mortgage advice your online lender won't give you. Strategy for buyers and homeowners who want a plan, not a preapproval.

Based in Newport Beach, working with clients across Orange County and nationwide.

06/15/2026

My mom/dad always…

06/10/2026

If you're buying in a high-cost market and you've never had a lender sit down with you before the application, you're probably leaving money on the table.

Most buyers get one loan option. Maybe two. They sign off on a 30-year fixed because that's what they were handed, and nobody asked how long they actually plan to stay in the home.

My process is different. Before anything goes to underwriting, we have a real conversation. Goals, timeline, what the payment needs to look like five years from now. That one conversation is what determines whether a fixed or an ARM actually makes sense for your situation. Then I put three options in front of you with the break-even math on each one so you can see the full picture.

A 7-year ARM on a home you plan to sell or refinance in five years can save you real money. A 30-year fixed on a home you're in for the long haul protects you from rate movement down the road. The right answer depends entirely on your plan, not the current market.

My whole practice runs on referrals. No ads, no cold outreach. Every client comes through someone who trusted me enough to send someone they care about. That means my only job is to make sure the structure I put you in is the right one for your life.

If that's the kind of process you've been looking for, drop a comment or send me a message and we'll set up a quick call.

06/08/2026

Most of the people I end up pre-approving to buy a home are actually in BETTER shape than they think.

There are a ton of misconceptions out there about what it actually takes to buy a home. Down payment, credit score, job history, all of it.

If you're renting right now but want to own a home at some point, (even if thats years from now) this is good to know.

I built a quiz that takes about 2 minutes. No credit pull or anything. It just tells you what kind of shape you're in.

You'll either see if you're in a good spot to buy, or find out what you need to work on. Either way, it's a great use of 2 minutes.

I'll drop the link in the comments.

If the budget was there,where’s the second home?
06/06/2026

If the budget was there,where’s the second home?

What if 2 min changed everything?(link in bio)
06/04/2026

What if 2 min changed everything?

(link in bio)

Same home budget. Different cost of living. Seven cities. Different lives.Where did I miss?
06/02/2026

Same home budget. Different cost of living. Seven cities. Different lives.

Where did I miss?

Would you rather have home prices drop by 10% or rates drop to 4%?What would make you more likely to buy? Drop your answ...
06/01/2026

Would you rather have home prices drop by 10% or rates drop to 4%?

What would make you more likely to buy? Drop your answer in the comments.

05/30/2026

Not because it costs money. Because it costs your phone, your notifications, and the habit of filling every quiet moment with noise.

05/27/2026

Helped a first-time buyer close on their first home a few months ago. When they first reached out to me, they were convinced they were at least a year away from being ready.

Turns out they had enough saved for a down payment and didn't even know it. They were waiting to hit some magic number that nobody actually told them they needed.

We ran their numbers, figured out what they actually qualified for, and they were under contract within 70 days.

This happens more often than you'd think. A lot of people are closer than they realize and they're just sitting on the sideline waiting for something that's already here.

If you're curious where you stand, I have a free quiz that walks you through it in about two minutes. Link in the comments.

Address

1501 Westcliff Drive Ste 280
Newport Beach, CA
92660

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

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