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John Norgard

John Norgard

Senior Loan Officer

16360 Monterey St., Suite 260, Morgan Hill, CA 95037
Own what matters
Own what matters

About Me

I am a native Californian, born and raised in the San Jose/Bay Area other than the last few years of high school were in Ukiah, graduating in 1981.  I returned to the Bay Area and graduated from SJSU in 1992.  After spending 10 years in retail, I entered the mortgage industry in late 1991 and the rest is history.   I had found a place where I can make a difference and a path that provides a continued opportunity to learn and grow. With many different jobs and titles in the mortgage industry, I can say I still love every minute of it.

When I am not helping others obtain their dream of homeownership, I am out golfing or rolling the bowling ball, doing some seasonal gardening or making some fixes around the house.  My wife and I have been married since 1994 and have three children we adopted.  We also foster cats and dogs, working to find them great homes.  I always say “everything in our house is either under foster care or adopted.” 

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Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
4.96
5.0
Peter
May 28, 2024
Verified

John has been super consistant in the 10 plus years we have been working together. I can county on him to treat my clients with his professional KID GLOVES<
Arielle
May 20, 2024
Verified

Overall great experience from beginning to end. Even with all the complications of BMR units.
Lori
May 20, 2024
Verified

Everyone we dealt with was courteous, Helpful And quick to respond when we had questions
Gregory
May 13, 2024
Verified

simplicity
Nelly
Apr 01, 2024
Verified

John was there through the entire process, answering all of my concerns and explaining every step of the way.
Nate
Apr 01, 2024
Verified

John Norgard was on top of everything. His communication skills are unmatched. My client and I were informed every step of the way and he made the process very easy for my first-time home buyer. Highly recommend!

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Awards

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Causes I'm
passionate about

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NMLS ID #278667
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;