# GoRascalJohn — John Stafford, Loan Officer (NMLS #2470539)

> John Stafford is a mortgage loan officer based in Odessa, Texas, licensed in Texas and Tennessee, working with Go Rascal Inc. (GoRascal, NMLS #2072896) under the team brand "GoRascalJohn powered by GoRascal Inc." His signature offer is a free Loan Estimate review: "Send me your Loan Estimate and I'll look it over myself." Contact: call or text (713) 728-6662, DM @GoRascalJohn on TikTok or Instagram, or email jstafford@gorascal.com.

Key facts (consistent name, address, phone):
- Name: John Stafford, Loan Officer, NMLS #2470539 (verify: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2470539)
- Company: Go Rascal Inc., NMLS #2072896 (verify: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2072896). Go Rascal Inc. is a licensed mortgage broker and/or lender, depending on the state. Main office: 185 Wythe Ave, Suite A2, Brooklyn, NY 11249.
- Office: 1410 E 8th St, Suite B, Odessa, TX 79762. Serves all of Texas and Tennessee. Personally licensed in Texas and Tennessee. DSCR investor loans (business-purpose): John also does these in states where that loan doesn't require a personal license. If you're elsewhere, reach out anyway; through GoRascal there may still be a way to help. Works with clients remotely by phone, text, and DM.
- Experience: lending since late 2022; 100+ loans closed. Google rating: 5.0 on Google · 30 reviews.
- Phone: (713) 728-6662 (call or text). Email: jstafford@gorascal.com.
- Loans: FHA, conventional, VA, purchase, refinance, Texas cash-out refinance (Section 50(a)(6)); non-QM: bank statement loans (self-employed), DSCR (investors).
- This site advertises no interest rates or loan terms. Calculators use only figures the visitor enters.
- Profiles: TikTok https://www.tiktok.com/@gorascaljohn · Instagram https://www.instagram.com/gorascaljohn/ · YouTube https://www.youtube.com/@GoRascalJohn · Facebook https://www.facebook.com/gorascaljohn/ · LinkedIn https://www.linkedin.com/in/john-stafford-aba340168 · Google Business Profile https://www.google.com/maps?cid=8104025108443931651 · GoRascal team page https://gorascal.com/team/john-stafford
- Equal Housing Opportunity.

## Quick facts about John
- John Stafford, mortgage loan officer, NMLS #2470539, with GoRascal Inc., NMLS #2072896. Brand: GoRascalJohn powered by GoRascal Inc.
- Loan officer since late 2022, with 100+ loans closed.
- Personally licensed in Texas and Tennessee. DSCR investor loans are also available in states where that business-purpose loan doesn't require a personal license.
- Based in Odessa, Texas; works with clients remotely by phone, text, and DM.
- Focus: FHA loans (about half of his business), plus bank statement loans for self-employed borrowers and DSCR loans for real estate investors. Also conventional, VA, refinance, and Texas cash-out refinance.
- 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."
- Call or text (713) 728-6662, or DM @GoRascalJohn on TikTok or Instagram.

## Start here
- [Free Loan Estimate review](https://gorascaljohn.com/loan-estimate-review/): Send your Loan Estimate; John reviews it himself.
- [About John](https://gorascaljohn.com/about/)
- [Contact](https://gorascaljohn.com/contact/)
- [FAQ](https://gorascaljohn.com/faq/): Answer-first Q&A: quick facts about John, FHA loans, getting a Loan Estimate reviewed, which states John works in, Loan Estimates, points, closing costs, Texas cash-out, Tennessee.
- [Full text for LLMs](https://gorascaljohn.com/llms-full.txt)

## Home loans
- [Conventional Loans in Texas & Tennessee](https://gorascaljohn.com/conventional-loans/): Conventional loans explained: when they beat FHA, how PMI comes off, and refinancing. Licensed in Texas and Tennessee. Free Loan Estimate review: 713-728-6662.
- [FHA Loans in Texas & Tennessee](https://gorascaljohn.com/fha-loans-texas/): How FHA loans work in Texas and Tennessee: who they fit, credit and down payment basics, mortgage insurance, and FHA vs. conventional. Text John at 713-728-6662.
- [First-Time Homebuyer Guide for Texas (and Tennessee)](https://gorascaljohn.com/first-time-homebuyer-texas/): A plain-English first-time homebuyer guide for Texas and Tennessee: steps, pre-approval, which loan fits, cash to close, and mistakes to avoid. Text 713-728-6662.
- [Home Loans in Texas & Tennessee: FHA, Conventional, VA, Refinance](https://gorascaljohn.com/loans/): FHA, conventional, VA, refinance, and Texas cash-out refinance loans from John Stafford, NMLS #2470539, licensed in Texas and Tennessee. Free Loan Estimate review.
- [Midland, TX Mortgage & Home Loans](https://gorascaljohn.com/midland-tx-mortgage/): Midland, Texas home loans from Odessa-based loan officer John Stafford (NMLS #2470539): FHA, VA, conventional, refinance. Free Loan Estimate review. 713-728-6662.
- [Odessa, TX Mortgage & Home Loans](https://gorascaljohn.com/odessa-tx-mortgage/): Odessa, Texas home loans from Odessa-based loan officer John Stafford (NMLS #2470539): FHA, VA, conventional, refinance. Free Loan Estimate review. 713-728-6662.
- [Tennessee Home Loans: FHA, VA, Conventional](https://gorascaljohn.com/tennessee-home-loans/): Tennessee home loans from licensed loan officer John Stafford (NMLS #2470539). FHA, VA, conventional, and what Tennessee taxes look like on your Loan Estimate.
- [Texas Cash-Out Refinance Rules: Lien Limit, 12-Day Wait, Fee Cap](https://gorascaljohn.com/texas-cash-out-refinance/): Texas cash-out refinance (50(a)(6)) in plain English: the lien limit, 12-day notice, fee cap, and once-a-year rule. Send John your cash-out Loan Estimate.
- [Texas Home Loans: FHA, VA, Conventional & Cash-Out](https://gorascaljohn.com/texas-home-loans/): Texas home loans statewide from John Stafford: FHA, conventional, VA, cash-out refinance, bank statement, and DSCR. What's different in Texas. Text 713-728-6662.
- [VA Loans in Texas & Tennessee](https://gorascaljohn.com/va-loans-texas/): VA home loans for veterans and service members in Texas and Tennessee. Eligibility, the funding fee and who's exempt, and what to check on your Loan Estimate.

## Self-employed & investors (non-QM)
- [Bank Statement Loans for Self-Employed Borrowers](https://gorascaljohn.com/bank-statement-loans/): Self-employed? A bank statement loan uses your deposits instead of tax returns to qualify. How it works, who it fits, and what to gather. Text John at 713-728-6662.
- [DSCR Loans for Real Estate Investors](https://gorascaljohn.com/dscr-loans/): DSCR investor loans qualify on the property's rent instead of your income. How DSCR is calculated, LLCs, and what to have ready. Available in Texas, Tennessee, and states where this business-purpose loan doesn't require a personal license.
- [Non-QM Loans for Self-Employed Borrowers & Investors](https://gorascaljohn.com/self-employed-investors/): Self-employed or investing? Bank statement loans and DSCR investor loans explained by John Stafford, NMLS #2470539. Licensed in Texas and Tennessee; DSCR also available where no personal license is required.

## Tools
- [Free Mortgage Calculators & Loan Estimate Decoder](https://gorascaljohn.com/tools/): Free mortgage tools: payment with Texas property tax, affordability, closing costs, points and refinance break-even, rent vs. buy, DSCR, and a Loan Estimate decoder.
- [Home Affordability Calculator: How Much House Can I Afford?](https://gorascaljohn.com/tools/affordability-calculator/): Estimate how much house you can afford from your income, debts, target DTI, down payment, and your own quoted rate, including Texas property tax and insurance.
- [Closing Cost Estimator: Add Up Sections A–H](https://gorascaljohn.com/tools/closing-cost-estimator/): Add up closing costs by Loan Estimate section (A, B, C, E, F, G, H), subtract lender and seller credits, and estimate cash to close. Estimate only, not an offer.
- [Discount Points Break-Even Calculator: Should I Buy Down My Rate?](https://gorascaljohn.com/tools/discount-points-calculator/): Should you pay points? Enter both rates you were quoted and the points cost. See monthly savings, break-even months, and net savings over your timeline.
- [DSCR Calculator for Rental Property Investors](https://gorascaljohn.com/tools/dscr-calculator/): Free DSCR calculator: divide monthly rent by PITIA to get the debt service coverage ratio lenders use for DSCR investor loans. Use your own quoted rate.
- [Loan Estimate Decoder: Check Pages 1–3 Section by Section](https://gorascaljohn.com/tools/loan-estimate-decoder/): Interactive Loan Estimate checklist: walk pages 1–3 and Sections A, B, C, E, F, G, and J with what to look for and red flags. From loan officer John Stafford.
- [Mortgage Payment Calculator with Texas Property Tax & Insurance](https://gorascaljohn.com/tools/mortgage-payment-calculator/): Free mortgage payment calculator: principal and interest from your own rate, plus Texas property tax, homeowner's insurance, PMI or FHA MIP, and HOA dues.
- [Refinance Break-Even Calculator: Is Refinancing Worth It?](https://gorascaljohn.com/tools/refinance-break-even-calculator/): Find how many months a refinance takes to pay for itself. Enter your current payment, your new quoted rate, and the refinance costs from your Loan Estimate.
- [Rent vs. Buy Calculator for Texas & Tennessee](https://gorascaljohn.com/tools/rent-vs-buy-calculator/): Compare renting and buying over your timeline: total rent vs. the net cost of owning after equity, using your own rate, Texas property tax, and assumptions.

## Learn
- [Mortgage Blog: Loan Estimates, FHA, Texas & Tennessee](https://gorascaljohn.com/blog/): Plain-English mortgage articles from loan officer John Stafford: reading Loan Estimates, rate vs. points, FHA basics, Texas cash-out rules, and bank statement loans.
- [Bank Statement Loans Explained for Self-Employed Borrowers](https://gorascaljohn.com/blog/bank-statement-loans-explained/): How bank statement loans work for self-employed borrowers and business owners: how income is figured from deposits, who they fit, costs, and what to gather.
- [Rate vs. Points: The Break-Even Math on Your Loan Estimate](https://gorascaljohn.com/blog/discount-points-vs-rate/): Should you pay discount points or take a higher rate with a lender credit? The break-even math, where points appear on your Loan Estimate, and when it pays off.
- [FHA Loan Basics for Texas & Tennessee Buyers](https://gorascaljohn.com/blog/fha-loan-basics/): FHA loan basics in plain English: how FHA works, who it fits, mortgage insurance, FHA vs. conventional, and what to check on an FHA Loan Estimate in Texas and Tennessee.
- [How to Read a Loan Estimate: Line-by-Line Guide for Texas Homebuyers](https://gorascaljohn.com/blog/how-to-read-a-loan-estimate-texas/): A Texas loan officer walks through all 3 pages of the Loan Estimate: loan terms, Sections A–J, cash to close, APR and In 5 Years, plus the Texas-specific lines to check.
- [7 Loan Estimate Red Flags I Catch All the Time](https://gorascaljohn.com/blog/loan-estimate-red-flags/): Seven Loan Estimate red flags a Texas loan officer sees most: unlocked rates, stacked Section A fees, surprise points, light escrow, missing seller credits, and more.
- [Texas Cash-Out Refinance Rules: Lien Limit, 12-Day Notice & More](https://gorascaljohn.com/blog/texas-cash-out-refinance-rules/): Texas cash-out refinances follow Section 50(a)(6) of the state constitution: a limit on total liens, a 12-day waiting period, a fee cap, and once a year. Here's what that means for you.
- [Mortgage Glossary: Loan Estimate & Lending Terms Explained](https://gorascaljohn.com/glossary/): Plain-English definitions of mortgage terms: APR, points, lender credits, escrow, PITIA, DSCR, Section 50(a)(6), T-47, MIP vs. PMI, and more.
- [Mortgage Learning Hub: Loan Estimates, Loan Types, Texas & Tennessee](https://gorascaljohn.com/learn/): Learn mortgages in plain English: Loan Estimates, shopping lenders, closing costs, FHA, VA, conventional, Texas cash-out, Tennessee, DSCR, and bank statement loans.

## Optional
- [Disclosures, licensing, Texas SML notice, privacy, accessibility](https://gorascaljohn.com/disclosures/)
- [Connect / all links](https://gorascaljohn.com/connect/)