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    1. Personal
    2. Products & Services
    3. Home Financing
    4. Mortgage Loans
    5. Contact a Mortgage Originator
    6. John Kearns

    New York Mortgage Originator

    MO

    John Kearns

    NMLS #555911

    Utica - Rome

    1 Kirkland Avenue
    Clinton, NY 13323

    Phone
    315-853-4982 (Office)
    Phone
    315-269-1476 (Cell)
    Email
    jkearns@nbtbank.com
    PREQUALIFY    APPLY NOW

    Business Hours:
    Monday through Friday – 8:00 a.m. to 5:00 p.m.

    Fax Number: 315-853-7410

    Bio:
    Whether you are purchasing, building, improving or refinancing a home, I can help you. With over 24 years of banking experience I can provide the information and assistance you need to choose the right product to meet your needs. From the start of the process to finish I will be there to help you achieve your goal. With the products we have available we have something for everyone. From the first time home buyer to the seasoned home owner we've got you covered, you'll have a choice with us.

    Find out more about what we have available by contacting me today. I promise to make the process as simple and hassle-free as possible.

     
     

    Ready to Apply?

    Please Have These Items Ready

    1. Current and Previous Addresses (2 years)
    2. Property Information including purchase agreement (if applicable), tax bills and homeowners insurance (if applicable)
    3. Current and Previous Employment Information and dates (2 years)
    4. Sources and income amounts for all borrowers
        a. If a W2 employee, previous 2 years W2's and most recent paystub with year-to-date income
        b. If rental or business income, 2 years personal and business (if applicable) signed tax returns, including all schedules
        c. If retirement income, award letter, 1099 or equivalent documentation
    5. Bank Account Statements (2 months)
    6. Current monthly housing expenses such as rent and mortgage payments
    7. Property address and Estimated Market Value for properties you own, including taxes & insurance
    8. If working with a real estate agent, their name, company and phone number

    Required documents to apply for mortgage financing are listed in the Mortgage Financing Checklist.

    DOWNLOAD CHECKLIST

     
    What Can I Afford?

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    Mortgage Programs

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    Mortgage Process

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