About John
Personal, plain-spoken, and in your corner.
I'm John Stafford, a West Texas loan officer licensed in Texas and Tennessee through GoRascal Inc. Here's who I am and how I work.
Hey, I'm John.
John Stafford is a mortgage loan officer (NMLS #2470539) based in Odessa, Texas, and lending since late 2022. He works with GoRascal Inc. (NMLS #2072896) under the GoRascalJohn brand, is licensed in Texas and Tennessee, has closed 100+ loans, and posts free, line-by-line Loan Estimate breakdowns on TikTok.
I've been a loan officer since late 2022, and I've closed 100+ loans since then. I'm a West Texas guy through and through, and I run my business the way people out here expect: you call, I answer; I say what I mean; and I don't pressure anybody.
GoRascal's motto is “making the hunt for your mortgage as easy and personal as it should be.” That's my whole job. I'll explain your options plainly, keep you posted at every step, and look out for the little things on your Loan Estimate that cost you real money.
What I help with
- FHA, conventional, and VA loans for buying a home
- Refinances, including Texas cash-out refinances under Section 50(a)(6)
- Bank statement loans for self-employed borrowers and business owners
- DSCR loans for real estate investors, including in states where that business-purpose loan doesn't require a personal license
- Free Loan Estimate reviews, even if you're working with another lender
Quick facts about John
- Who: John Stafford, mortgage loan officer, NMLS #2470539, with GoRascal Inc., NMLS #2072896. Brand: GoRascalJohn powered by GoRascal Inc.
- Experience: Loan officer since late 2022, with 100+ loans closed.
- Licensed in: Texas and Tennessee. DSCR investor loans are also available in states where that business-purpose loan doesn't require a personal license.
- Where: Based in Odessa, Texas, and works with clients remotely by phone, text, and DM.
- Focus: FHA loans, plus bank statement loans for self-employed borrowers and DSCR loans for real estate investors. Also conventional, VA, refinance, and Texas cash-out refinance.
- Reviews: 5.0 on Google from 30 reviews (October 2026).
- Known for: Free Loan Estimate reviews. “Send me your Loan Estimate and I'll look it over myself.”
- Contact: Call or text (713) 728-6662, or DM @GoRascalJohn on TikTok or Instagram.
Where to find me
GoRascal Inc.
NMLS #2072896. Go Rascal Inc. is a licensed mortgage broker and/or lender, depending on the state. My GoRascal team page.
100+ loans closed
Lending since late 2022. Rated 5.0 on Google · 30 reviews.
Google reviews
What people say after closing
Real words from real borrowers on my Google Business Profile.
“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!”
“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!”
“John made the process painless.”
Reviews from Google. Quoted verbatim; individual experiences vary.
Free Loan Estimate review
Got a Loan Estimate? Send it to me.
Send me your Loan Estimate and I'll look it over myself. I'll tell you straight what looks off, what looks fine, and whether I can do better. If your offer is solid, I'll say so.
Before you send it: cover your Social Security number and loan number. Texas and Tennessee loans. John Stafford NMLS #2470539 | GoRascalJohn powered by GoRascal Inc. NMLS #2072896.