THE KATALYST TEAM AT ETHOS LENDING
You Bring the Dream. We’ve Got the Mortgage.
John Smith
Loan Officer
Effortless. Efficient. Fast.
Secure Your Home Financing Today.
NMLS ID: 12345 ; Company NMLS ID: 1533336
(www.nmlsconsumeraccess.org)
Proudly Serving:
Arizona, California, Texas, Idaho, Tennessee, Colorado, Florida, Minnesota, South Carolina, Washington, Oregon, Indiana
MEMBERS OF THE KATALYST TEAM HAVE BEEN FEATURED IN
At ETHOS Lending, We Have A Solution For Almost Every Scenario
Click to apply now or schedule a consultation and see how we can help.
Why ETHOS?
Expert Guidance, Local Presence
When you work with The Katalyst Team at ETHOS Lending, you're not just getting a loan officer, you're getting a true big-picture lending advisor. We come alongside you and look at all the options for your situation so that you can make the right decision for you and your circumstance.
Tailored Solutions
We don’t push products - we find the loan that fits you. Whether you’re buying, refinancing, or pulling cash out, we’ll help you discover options you didn’t know existed.
Fast Approvals
Our digital dashboard makes getting pre-approved simple. Upload documents securely, compare rates easily, and get full approval — often within 48 hours.
Competitive Rates
We shop dozens of lending partners - from household names to innovative newcomers - to secure the best possible terms for your goals and situation.
Seamless Closings
From pre-approval to keys-in-hand, your ETHOS Loan Expert keeps the process smooth, personal, and on schedule, so that you never have to worry about what's going on.
Borrower and Partner Resources
Explore our suite of tools designed to help you make informed decisions in your real estate journey.
BUY NOW, SELL LATER
The Peace of Mind Program
Unlock your equity, make. non-contingent offers, and only move once - all before you sell your current home.
KATALYST KICKSTART
1% Year One Lender Buydown Program
A Katalyst Team exclusive - we'll buy down your rate 1% for the first year, creating significant savings.
RATE RELIEF
3 Ways to Save With Buydown Options
See the benefits and costs of a 3, 2, or 1 year buydown option, including wording on how to present to a seller.
STRATEGIC REFINANCE
See your options compared to a traditional refinance
A strategic refinance could help you save on your monthly payment, pay less interest over the life of the loan, and become debt-free faster.
ABOUT JOHN SMITH
John Smith has been helping families achieve their homeownership dreams in the greater Phoenix area for over 12 years. As a Senior Loan Officer with The Katalyst Team, John specializes in making the mortgage process simple, transparent, and stress-free—especially for first-time homebuyers and growing families looking to upgrade. His approach is built on education first: ensuring every client understands their options, their numbers, and the path forward before making one of life's biggest financial decisions.
With a track record of over 800 successful closings totaling over $1 billion funded, John has earned a reputation for being responsive, reliable, and results-driven. He's particularly skilled at navigating complex scenarios—whether it's self-employed borrowers, investment properties, or creative financing solutions that make the impossible possible. John's clients often comment that he feels more like a trusted advisor than a loan officer, and many return to him again and again as their financial needs evolve.
When he's not closing loans, John enjoys hiking with his wife and two kids, coaching youth soccer, and volunteering with Habitat for Humanity.
Specialties: First-Time Homebuyers | FHA & VA Loans | Self-Employed Borrowers | Investment Properties
NMLS #: 123456 | Years in Business: 12+ | Loans Closed: 800+
LOAN OPTIONS
Buy A Home
Personalized Home Financing
Conventional, FHA, VA, Jumbo loans and more - everything from first-time buyers to dream homes.
Refinance
Fast and Easy Process
Lower your rate, accelerate your debt-free date, or tap into your home equity for other goals.
Invest & Build Wealth
Expert Financial Guidance
DSCR, second homes, and investor property financing options designed for cash flow and long-term growth.
Testimonials
Hear What Our Past Clients Have Said
John made the entire mortgage process painless. He explained every option in plain English, beat the timeline we were worried about, and checked in after closing to make sure everything was settled. Highly recommend for first-time buyers.
Professional and responsive — John answered questions late into the evening and helped us lock a great rate. We felt comfortable entire time.
As a busy self-employed professional, I needed someone who could navigate complex income paperwork. John was organized, patient, and got my loan approved with an excellent rate. Fantastic service from start to finish.
CONTACT
© ETHOS Lending, Inc.
2025 - All Rights Reserved.
ETHOS Lending, Inc., dba “ETHOS Lending”, NMLS #1533336, an Equal Housing Lender. Licensed by the Department of Real Estate Corporation Mortgage Loan Originator Endorsement, DRE #02103430.
26391 Crown Valley Parkway, Suite 230, Mission Viejo, CA 92691
This is not a commitment to engage in a loan transaction. All applications are subject to full credit and property approval pursuant to the lender selected. Services not available in all states, check our licensing by clicking HERE.