Skip to main content
Close

Before you go

You are about to leave flagstar.com. Flagstar is not responsible for the content on other sites.

John Marinucci, (NMLS ID 77196)

John Marinucci

Sr Loan Advisor NMLS ID: 77196

22255 Center Ridge Road Suite 101

Rocky River, OH 44116

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Whether you are a first-time homebuyer or a seasoned owner wishing to refinance, my 24+ years as a Senior Mortgage Advisor can help you understand and take the next step. I can offer low down payments for first-time homebuyers or a refinance with little effort, Flagstar Bank offers low interest rates, and cash out options for properties you own.

 

I have a demonstrated history of working in the banking industry, starting in 1999 with Fidelity Mortgage to today with Flagstar Bank. I have been helping home buyers and homeowners with the financial aspects of ownership. I am a skilled negotiator in residential lending, banking, mortgage sales, and credit analysis.

 

Over the years, the primary thing I have learned is that the financial component of homeownership is usually the most intimidating. My goal is to share my experience to make the whole process less overwhelming.

 

Born and raised in Cleveland, I’ve always believed that a home is truly obtainable for every person. The way to do that is by finding the right lending partner, which is why I have chosen to become a knowledgeable and strong financial professional.

 

I remember how excited and proud I was when I bought my first home. One of my favorite memories is hosting my first Browns watch party, not to mention family cookouts in the backyard. Can you envision something like this?

 

Today’s real estate market is fast-paced, even more than you realize. A house can go on the market in the morning and be sold by afternoon. You must be prepared to make a split-second decision. With the right advice, you can be ready. There is no reason why you cannot be the owner of your dream home. When you speak with me, you will find that buying a home starts with a simple, cordial conversation. Call or email me today. We can talk. You will see how easy I can make the process for you. 

 

 

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Professional Loans
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Find the loan product that's right for you.

Are you looking to purchase a new property or refinance an existing one?

Today's Rate
Mortgage Rate APR
30-Year Fixed 7.369% 7.527% 1
15-Year Fixed 6.765% 7.014% 2
FHA 30-Year Fixed 6.136% 7.023% 3

1Rate 7.369% with an APR of 7.527% as of 4/22/2024 4:08 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,657. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

2Rate 6.765% with an APR of 7.014% as of 4/22/2024 4:08 PM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,126. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

3Rate 6.136% with an APR of 7.023% as of 4/22/2024 4:08 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,486. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.

Find the loan product that's right for you.
Spend a few moments to get a better idea of your bottom line. Are you looking to purchase a new property or refinance an existing one?

Request a contact

Fill out the information below and I'll reach out to you shortly.

John Marinucci

Sr Loan Advisor NMLS ID: 77196

22255 Center Ridge Road Suite 101

Rocky River, OH 44116

By clicking submit, you understand the information is being provided to Flagstar Bank in accordance with our online privacy statement.

Let's do the math (the easy way).

Use our home loan calculators to break down the costs of buying a new home.  How does a higher or lower down payment affect your monthly payment? Should you get a fixed or adjustable rate mortgage? Play around with different scenarios so you can make informed decisions about your home loan.

An icon of a house with calculator symbols in front of it, including the plus, minus, multiplication, and equal signs

Mortgage Affordability Calculator

Before you start shopping, learn how much house you can afford. 

An icon of a house with calculator symbols in front of it, including the plus, minus, multiplication, and equal signs

Monthly Mortgage Payment Calculator

Discover what makes up your payment and what fits into your budget.

An icon of a house with calculator symbols in front of it, including the plus, minus, multiplication, and equal signs

Mortgage Down Payment Calculator

Find out how different down payments affect the cost of your home loan.

So, how does getting a mortgage work?

Buying a home is a big deal, and there are many ways to finance it. Understanding the basics of a home loan will get things off to a great start. Learn about the steps in the process, the paperwork you'll need, and what makes up your monthly payment.

A young couple shakes hands with a person across a desk
The mortgage process

You've already found the right lender. Now it's time to learn the steps from getting prequalified to closing on your new home.

A person listens as another person explains something
Mortgage FAQs

What is escrow? How much do you need for a down payment? Find the answers to all your mortgage questions here. 

A person sits on a couch writing something on a piece of paper with a calculator nearby
6 Questions to Ask Your Home Loan Advisor

Before you close on your new home, we'll work together to answer these essential questions.