Johnny Bravo

Loan Officer

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Johnny Bravo Loan Officer

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Demystifying The Truth in Lending Act: Your Financial Guardian Angel in the Lending Maze

Demystifying The Truth in Lending Act: Your Financial Guardian Angel in the Lending Maze

Ever felt like you're drowning in a sea of financial jargon while applying for a loan? Enter the Truth in Lending Act (TILA) – your unexpected hero in the often-mysterious world of lending. Like a strict parent forcing transparency at the dinner tab

Apr 14, 2026 | Purchasing a Home

A Veteran's Guide to Unlocking the Power of VA Energy-Efficient Mortgages

A Veteran's Guide to Unlocking the Power of VA Energy-Efficient Mortgages

Starting the process of becoming a homeowner? The VA Energy Efficient Mortgage (EEM) program is a gold mine that is just waiting to be uncovered if you are a veteran! It's not only about owning a house; it's also about making it an affordable, earth-happy

Dec 11, 2025 | VA Loans

Foreign Buyers Retreat: A Silver Lining for U.S. Homebuyers?

Foreign Buyers Retreat: A Silver Lining for U.S. Homebuyers?

A Shift in the Market Foreign investment in U.S. homes has slowed down significantly. According to the National Association of Realtors, purchases by international buyers dropped 36% from April 2022 to March 2023. That’s the lowest number of foreign

Jun 19, 2025 | Purchasing a Home

What's Rent-vesting and Can It Help Me Become a Homeowner?

What's Rent-vesting and Can It Help Me Become a Homeowner?

A New Path to Homeownership Rent-vesting is an approach where you rent the home you live in and buy an investment property in a more affordable area. It’s a strategy that gives buyers flexibility—especially those priced out of their local mark

Jun 17, 2025 | Purchasing a Home

Can You Use Your VA Loan Again After It's Been Assumed?

Can You Use Your VA Loan Again After It's Been Assumed?

If your original VA loan has been assumed by someone else, you might be wondering whether you can use your VA loan benefits again. The answer depends on your remaining entitlement and a few other key factors. Let’s break it down. Understanding VA Lo

Jun 12, 2025 | VA Loans

Facing Foreclosure? Here’s What You Can Do Now

Facing Foreclosure? Here’s What You Can Do Now

How to Stop Foreclosure and Protect Your Home If you're falling behind on your mortgage and feel like you're out of options, you're not alone. Foreclosure is a difficult and emotional process—but in many cases, it can be avoided with the right infor

Jun 10, 2025 | Purchasing a Home