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Home Loans

Relocating, refinancing, building or buying a home? We'll guide you through the financing process to find the perfect mortgage for you.

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Personalized Service

When you are ready to get started, our mortgage loan officers will use their knowledge and experience to partner with you every step of the way. You’ll receive tailored options for flexible down payments, loan terms and mortgage rates.  

After your loan is complete, you'll continue to work directly with Johnson Financial Group and your dedicated mortgage loan officer who will be available to answer any ongoing questions.

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Mortgage Loan Programs

You want to find the perfect house, but a pre-approval is an important first step. The appropriate amount of prep work can lead to a successful home buying experience. You have many loan options to consider including:

  • Fixed-rate mortgage
  • Adjustable-rate mortgage (ARM)
  • Jumbo loans
  • Condo loans
  • Lot loans
  • One-time close construction loans
  • Low down payment loans
A young couple, bathed in the glow of a harshly bright room, stands amidst the remnants of a recent move. The man, with his dark hair and a beard meticulously kept, sports a tattoo on his left arm and a light blue denim shirt. His partner, a woman with a crown of curly hair, dons a green top and a denim dress. They are wrapped in each other's arms, beaming and lost in each other's gaze. The room, with its sparse furnishings, is a blank canvas of white walls and white moldings.

Refinancing Options

Refinancing may help you lower your monthly payments, remove a borrower from the loan, reduce your total financing amount or put the equity from your home to good use.

  • Reduce your monthly payments.
  • Remove private mortgage insurance (PMI).
  • Reduce your interest rate.
  • Shorten the term of your mortgage.
  • Get cash out.
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Lock 'n' Shop

Lock a great interest rate up to 180 days while looking for your perfect home. Combined with our free, fully underwritten pre-approval, you’ll have peace of mind and security knowing your financing is all set.

Plus, if rates go down while searching for a home, your rate can drop too. Take advantage of a worry-free home financing option with certain loan products and show the seller that your offer is solid.

LEARN MORE about a free pre-approval.

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A smiling African American couple sitting on the floor in front of a white wall, reviewing paint color swatches. The man is pointing to a color on the swatches.

Mortgage Loans

Whether you are buying your first home or moving into a new home, our mortgage loan officers will use their knowledge and experience to partner with you every step of the way.

Learn More about our mortgage loan options.
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Mortgage Rewards

Discover Mortgage Rewards with Johnson Financial Group. Get exclusive discounts as a valued client and make your homeownership journey rewarding.

Learn More about mortgage rewards offered for JFG clients.
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Second Homes & Investment Properties

With a wide range of resources, we've got you covered with everything you need to navigate buying your next home. 

Learn More about resources for second homebuyers.
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Lock and Shop

We will review your income, assets and credit for eligibility. Once approved, your loan officer can provide a pre-approval letter to give to your Realtor before you begin looking at homes.

Learn More about our mortgage lock 'n' shop pre-approval
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Construction & Lot Loans

Building the home of your dreams is exciting. Just as a solid foundation is important to any well-constructed house, financing is critical to the construction process as a whole.

Learn More about your construction and lot loan options.
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Construction Financing FAQs

Before your build your new home, review our Construction Financing FAQs so you can be empowered to make the right decisions for you, your lifestyle, family and personal goals.

Learn More about FAQs around building a home.
A young couple sits on the floor of their new home, contemplating paint swatches. The room is a jumble of moving boxes and a lone backpack. The woman grins as the man gestures at the color options. A window peeks out in the background.

Affordable Home Loans

Find loans to make buying a home more affordable with low down payment options or grant assistance.

Learn More about the affordable loan options available to you.
A young couple, bathed in the glow of a harshly bright room, stands amidst the remnants of a recent move. The man, with his dark hair and a beard meticulously kept, sports a tattoo on his left arm and a light blue denim shirt. His partner, a woman with a crown of curly hair, dons a green top and a denim dress. They are wrapped in each other's arms, beaming and lost in each other's gaze. The room, with its sparse furnishings, is a blank canvas of white walls and white moldings.

Mortgage Refinance

Refinancing your home loan may help you lower your monthly payments, reduce your total financing amount, put the equity from your home to good use, or remove a borrower from the loan.

Learn More about your mortgage loan refinancing options.
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Home Equity Loans & Lines of Credit

As life changes and your needs shift, use the equity in your home to finance your next goal. Maybe you’re considering a home improvement, a new vehicle or want to consolidate debt. Whatever your project or plans, a home equity loan or line of credit can help you achieve them.

Learn More about your home equity loan and line of credit options.
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VA Home Loans

As a VA home loan provider, we’re proud to offer special benefits to active military and veterans to make buying a home more affordable. Take advantage of a zero down payment loan with low rates and low closing costs.

Learn More about VA Home Loan options.
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Mortgage Payment Options

Sign up or update automatic payments for your mortgage loan or for your real estate tax escrow to be automatically deposited into your bank account.

Learn More about mortgage payment options.

Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Conditions, terms, and restrictions, including property and flood insurance, will vary based on loan program selected and property location.

Private mortgage insurance may be required on loans with less than 20% down.