Licensed in Texas & Tennessee

Got a Loan Estimate? Send it to me. I'll look it over myself.

I'm John Stafford, a loan officer with GoRascal. DM it to me or upload it here, and I'll go through every line and tell you straight whether it's a good deal.

NMLS #2470539Free Loan Estimate reviewTexas & Tennessee

Upload your Loan Estimate

It comes straight to me. Free, no obligation. Cover your Social Security and loan numbers first.

PDF or photos of the pages (JPG, PNG, HEIC, WEBP). Up to 3 files, 15 MB total.

The free Loan Estimate review

A second set of eyes before you sign.

01

Send it over

Upload it above, DM it to @GoRascalJohn on TikTok or Instagram, or text it to (713) 728-6662.

02

I go through it myself

Not a bot, not an assistant. Rate lock, fees, points, credits, escrow, and cash to close, line by line.

03

You get a straight answer

What looks off, what looks fine, and whether I can do better. If yours is solid, I'll say so.

How the review works →  ·  Decode yours line by line

TikTok @GoRascalJohn

Watch me read a Loan Estimate

Short, plain-English breakdowns of the lines people skip.

Follow @GoRascalJohn on TikTok

@GoRascalJohn
Your seller's paying $7,000. So why does the Loan Estimate say $0?
@GoRascalJohn
760 credit score, and they put you in FHA?

Google reviews

What people say after closing

Real words from real borrowers on my Google Business Profile.

5.0 on Google · 30 reviews

★★★★★
“John came in at a time when I need someone that was honest and trustworthy. I was already working with another lender, my gut told me things didn't feel right. He offered his support and was resourceful. Never pushy but offered his assistance, if needed. The best decision I ever made! …Truly grateful for him!”
M. SepulvedaGoogle review
★★★★★
“Excellent service and most reliable person is John he helped my family and I out and made the process super easy and seamless he will definitely be my lifetime go to for all my Loan needs!”
Dakota R.Google review
★★★★★
“John made the process painless.”
Brian P.Google review

Reviews from Google. Quoted verbatim; individual experiences vary.

John Stafford in a gray blazer

Meet John

A West Texas loan officer who picks up the phone.

I've been lending since late 2022 and I've closed 100+ loans through GoRascal. I explain things plainly, I answer my own texts, and I'll tell you the truth about your Loan Estimate, even when the truth is "you've already got a good deal."

More about me →

Reach me directly

Text me. Call me. DM me.

You'll get me, not a call center. Licensed in Texas and Tennessee; if you're somewhere else, reach out anyway.

Prefer a form? Upload your Loan Estimate or use the contact page.