John Galt Mortgage Company | NMLS #2465776

Life, Liberty and the Pursuit of Property. We can help with that last part. Who is John Galt?

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

How has seller urgency at the end of 2025 compared to the end of 2024?🤔 Overall, the data shows that seller urgency is either about the same or slightly higher compared to December 2024, depending on your local market.

Source: Zoodealio-ResiClub Real Estate Agent Survey conducted between Nov. 17th - Dec. 29 2025

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

Please welcome our newest team member, Houston Mixon! 🎉 Licensed in the beautiful state of Florida. Here are 10 fun facts to get to know him:

1. I am a fourth-generation south-west Florida native. 🌴
2. I am a sports fanatic; my favorite teams are the Gators, Tampa Bay Lightning, and Atlanta Braves. I can, in general, have a conversation with anyone about almost any sport. ( I went to game 2 of the Stanley cup finals lightning vs Canadians, definitely a favorite sporting event of all time.)
3. I like to play Golf. I am new to the sport, but already hooked. ⛳️
4. I do a good Adam Sandler impression, and my family thinks I look a little bit like him.
5. I love to watch movies and can quote some of my favorites almost word for word. (Some of my favorites are Rocky IV, The Mighty Ducks, and James Bond Casino Royale.) 🎬
6. I’ve been skydiving. I’ve only been once, but I would do it again.
7. I have two kids, and I love being a dad!
8. I can sing (my brother and a friend and I went to the mall and made a CD at one of the booths, singing boy to men songs.😂)
9. When I was in high school, in French class, we watched The Lion King. The whole movie was in French, but I interpreted it word for word. My teacher thought I could speak French, but I honestly just remembered all the lines from the movie. I got a 100 for extra credit. 🧠
10. I’ve only been out of the United States 1 time, and that was for my honeymoon. We went to Costa Rica.

If you have any questions about buying in Florida, feel free to give Houston a call! His cell is [phone].

John Galt Mortgage Company
NMLS# 2465776
[email protected]

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

US Active Housing, 2017 - Nov. 2025

Source: Realtor. com

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

The Southern U.S. housing markets, which account for 59.0% of the nation’s homebuilding activity, also show the heaviest dependence on FHA mortgages.

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

Negative equity rates by loan type. Staying informed about your home's equity helps you make better financial decisions.

John Galt Mortgage Company
NMLS# 2465776

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

Good morning

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

When your mortgage lender says those 3 magic words:

Clear
To
Close

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

Please join us in wishing our Co-Founder and one of our fearless leaders Andrew Chermak, Mortgage Expert a happy birthday!

(He definitely did not want us to post this)

[Max Rymer @maxrrymer]

WHAT IS UP WITH MY PROPERTY TAXES?! According to a recent story by Realtor dot com, Minnesota will be facing $1 Billion in property tax increases – accounting for a 6.9% increase in 2026… with much higher increases happening in rural counties.

This is a big barrier to entry for home ownership and can also prevent people from staying in their homes. Why is this happening? What are we missing? Look at state government first.

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

What cities are attracting and cultivating more young families? What cities are losing young families?

Here's the decline in population for young children (under the age of 5) in major cities from 2005 to 2024:

Austin +98%
Orlando +89%
Raleigh +87%
Charlotte +81%
Dallas +81%

Chicago -31%
Boston -33%
New York -34%
LA -36%
San Francisco -38%

John Galt Mortgage Company | NMLS# 2465776

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

Kim Ross is a top Realtor in Georgia, and a big fan of JGMC. She trusted us to handle the mortgage on her house when she moved this year. Obviously, as a top producing agent, Kim knows many mortgage lenders…there’s a reason she chose to work with us. It’s cool when real estate agents refer their clients to us, but it’s even cooler when they trust us for their own mortgage!

Thanks Kim 💪🏽

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

Today’s homes are an apples to oranges comparison to what “first time homebuyers” were purchasing in the 1950’s.

No wonder homeownership feels unaffordable.

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

✅

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

There's been a lot of talk recently about 50-year mortgages. Here's what we have to say about it.

1) Just like the rates are higher on a 30-year mortgage than they are on a 15-year mortgage, a 50-year loan will likely have a slightly higher interest rate that cancels out much of the savings

2) Mortgage interest is front-loaded into the contract. The fancy term for this is “amortization.” Most of the money you pay in the early years is going towards interest, not principal. That’s also true of 30-year loans, but it’s much worse for a 50-year loan. This means you’ll have barely built any equity by the time you move houses, which statistically happens every 7-8 years.

3) The sheer amount of interest you’d pay in total on a 50-year amortization is insane compared to a 30. It’s nearly 50% more interest over the life of the loan, just to potentially save a few hundred bucks a month on the loan. The juice ain’t worth the squeeze

CONCLUSION:

One positive of 50-year mortgages is that hopefully, this sparks some debate and conversation in our society about how we can find some new ideas to make homes affordable again. Even if it’s not the perfect answer, it’s a step in the right direction rather than pretending everything is okay and nothing needs to change. We need to get out of denial. Because everything is not okay. The average age of first-time homebuyers is 40 years old! We need to brainstorm new solutions to make homes affordable for middle-class Americans, especially first-time homebuyers.

PS - here's all the boring stuff we're legally required to put in our social media posts:

John Galt Mortgage Company
NMLS# 2465776

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

https://t.co/quPOyuimlA

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

🎉 The first episode of "The Pursuit of Property" podcast is officially out! In episode 1, Andrew Chermak and Max Rymer discuss whether the US is becoming a nation of renters, and what BOTH sides of the political spectrum have in common on the topic of housing.

Links below. ⬇️

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

Could you afford this home in Austin, TX? Here’s a breakdown of how much you would need to make to afford this home.

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

🧐

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

The median age of first-time homebuyers in 1992 was 28 years old. This year, it’s 40 years old.

But this year at John Galt Mortgage Company, our median first-time homebuyer age was 30.

That's a lot more like 1992.

PS - here's all the boring stuff we're legally required to put in our social media posts:
John Galt Mortgage Company
NMLS# 2465776

[John Galt Mortgage Company | NMLS #2465776 @JohnGaltMC]

Free marketing tip for real estate agents: always keep in mind who you are talking to, and meet them where they are at. You can't control their actions/timeline, but you CAN control what they see from you online, as well as how often.

Sellers and buyers have different needs; understanding these needs is your first step.

So much of it comes down to whether they are seeing what they need to see from you to trust you as an expert.

Sellers need proof that you know how to sell homes. How are you promoting your listings? Are you sharing LOCAL real estate data?

Buyers need proof that other buyers also trust you. Do you share your client wins? And are you promoting homes for sale in the local area?

Meeting leads where they are at is really the key to gaining their trust. If they aren't ready, there's nothing you can do about that. But WHEN they are ready, are you the first person that comes to mind?

PS - Here's all the boring stuff we're legally required to put into our social media posts:
John Galt Mortgage Company
NMLS# 2465776

We are a mortgage company, and our team has a background in marketing. For more info, follow us or feel free to send us an email at [email protected]