One Sansome St, Suite 1895
San Francisco, CA 94104
John W. Ebner
Branch Manager
NMLS ID: 306920
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
Apply Now Contact meAbout John W. Ebner
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Mr. Ebner has more than 25 years of experience in the real estate industry. John is a branch manager and Loan Advisor for Flagstar Bank, Home Loan Center in San Francisco. Prior to joining Flagstar, John started as a Realtor in the Washington, D.C., area in 1985 and built a successful practice for seven years. In 1993 he moved to San Francisco and began his new career as a loan officer for San Francisco Federal Savings Bank, now Citibank. A year later John became a mortgage broker and joined Pacific Guarantee Mortgage where he helped expand and improve the service to the clients of Zephyr Real Estate as their in-house mortgage broker for the next nine years.
In 2005, John and his partner, Tracy Andreini, opened their own mortgage office with the idea of creating a physical and creative environment in which other top-producing agents could flourish. In 2008, they merged their office with Triton Funding Group. Now at Flagstar, John’s commitment and knowledge of the real estate industry allows him to give his clients clear, knowledgeable insight into the mortgage process.
John and his partner live in San Francisco, California.
Learn more about our San Francisco Branch here.
Mortgage Specialization
- Jumbo Loans
Languages Spoken
- English
Why Flagstar
Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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
STEP 1
Pre-qualify & Gather Financials
Submit your financial information and we’ll give you a personalized estimate for your loan.
STEP 2
Pre-approval
Once you’re pre-approved, we’ll coordinate with the escrow or title company.1
STEP 3
Loan Review
Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.
STEP 4
Loan Approval
Once our underwriters approve your loan, we'll get you ready for closing.
STEP 5
Close & Receive Your Funds
We’ll close your loan and wire your funds into escrow so you can complete your home purchase.
1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.
STEP 1
Loan Application
Complete a loan application online, and submit the necessary financial documents.
STEP 2
Appraisal
We'll conduct an appraisal of your property to determine its current value.
STEP 3
Underwriting Approval
Once our underwriters approve your loan, we'll get you ready for closing.
STEP 4
Loan Signing & Funding
We'll close your loan and wire your funds into escrow so you can access your funds.
Financial Calculators
If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.
John W. Ebner
Branch Manager
NMLS ID: 306920
If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.
Apply Now Contact meOne Sansome St, Suite 1895
San Francisco, CA 94104
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John W. Ebner
Branch Manager
NMLS ID: 306920