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John Swierczek, (NMLS ID 613332)

John Swierczek

Retail Network Branch Manager NMLS ID: 613332

1902 Wright Place 2nd Floor

Carlsbad, CA 92008

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

Buying a house means more than finding a place to live. It’s one of the biggest financial decisions you’ll ever make—but you don’t have to go at it alone.

 

As your home loan advisor, I am genuinely interested in your financial success. I want to listen to your story and understand your financial goals. From there, I can build a personalized mortgage solution for your unique needs. Flagstar Bank has more than 600 different home loans available, so we are certain to have the right mortgage for nearly every situation.

 

With over 30 years of experience in home lending, Flagstar knows what it takes to get you to closing as quickly and as smoothly as possible. I will keep you informed every step of the way to give you peace of mind about your new home.

 

Whether you are moving around the corner or across the country, you can rely on me as a trusted resource. I have a deep understanding of the local housing market, and I can originate loans in all 50 states. After you buy your home, contact me when it’s time to refinance, remodel, or buy a second home. And if you’re an investor, I can build a competitive mortgage to finance your investment properties.

 

Contact me today to get started.

Mortgage Specialization

  • Jumbo Loans

Client Testimonials

Taylor S.
John was a pleasure to work with throughout the entire process. His communication was clear, concise, and he made a point to keep me updated during the whole process. He is a true professional who makes the process very easy, and he's great to work with.
Laraine H.
John was excellent—he was always available and got us from application to loan approval in just 11 days!! He was knowledgeable, and I sensed that he was always on our side, trying to help us get our loan.
Howard S.
Both John and John Jr. did an excellent job with our loan. We lived out of state and were kept up to date on the status of the loan.
Rosemary C.
Communication was very well & when I called with questions the response was very good with answers with explanation.
Natalia C.
John is amazing to work with. He communicates with you effectively and helps make sure you understand all your options to make the best financial decisions. I highly recommend John and will use him for future purchases and refinances in the future.
John F.
John was delightful to deal with, very knowledgeable about the process and what was currently going on, and what to expect next. He was prompt at taking and returning calls and emails. I will let everyone know what a great lender Flagstar Bank is.

What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

Pre-qualify & Gather Financials

Submit your financial information and we'll give you a personalized estimate for your loan.

Pre-approval

Once you're pre-approved, we'll coordinate with the escrow or title company

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

Close & Receive your funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

Loan Application

Complete a loan application online, and submit the necessary financial documents.

Appraisal

We'll conduct an appraisal of your property to determine its current value.

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Request a contact

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

John Swierczek

Retail Network Branch Manager NMLS ID: 613332

1902 Wright Place 2nd Floor

Carlsbad, CA 92008

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.

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Mortgage Affordability Calculator

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

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Monthly Mortgage Payment Calculator

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

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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.

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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.

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Mortgage FAQs

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

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6 Questions to Ask Your Home Loan Advisor

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