John Labban Mortgage Guru NMLS #920783

With nearly 13 years of experience in the industry, let me use my experience to help you close on your next mortgage loan.

Contact Me

John Labban Mortgage Guru NMLS #920783

With nearly 13 years of experience in the industry, let me use my experience to help you close on your next mortgage loan.

Contact Me

Products and Programs

Home Purchases & Refinances

What I originate:

Residential Mortgage Loans
Purchase - Primary, Secondary, and Investment Homes
Refinance - Primary, Secondary, and Investment Homes

Loan Products & Programs

Home Purchases & Refinances

Products offered:

Fixed & ARM rates

Programs Offered:

Conventional Loans
FHA Loans
VA Loans

About John

Home Purchases & Refinances

About John

Why would you work with John:

Nearly 13 years of experience in the mortgage profession both as a mortgage loan processor and mortgage loan originator
20+ of customer and client service experience
Licensed in 18 states. Being licensed means I have to go through testing and training each year to ensure I know your state mortgage laws.

Resume

Mutual of Omaha Mortgage

March 2025-Present

Mortgage Loan Originator

Licensed in 18 states

loanDepot

July 2020 - March 2025

Mortgage Loan Originator

Take inbound or make outbound calls to originate both purchases and refinances for Conventional, FHA, and VA clients in 20 states that I am now licensed (loanDepot allowed me to be licensed in three additional states upon starting in July 2020) in consumer direct channel
Additional abilities to add purchase (was not able to do at Quicken Loans) and access to more lead self-generation to expand my horizons in helping clients
Increased licensing to 19 states from 12 at Quicken Loans
Achieved record personal volume in originations from 2020-2021
Collect the necessary items to send files to Underwriting and close loans
Yearly annual examinations required to maintain state licenses

Quicken Loans

February 2020-June 2020

Mortgage Loan Originator

Passed SAFE test to obtain state licenses
Took inbound calls to originate refinance loans for Conventional, FHA, and VA clients
Licensed in 12 states
Collected necessary items to send files to Underwriting and close loans in consumer direct channel

PNC Bank, N.A.

February 2015-February 2020

Mortgage Loan Processor (February 2015-August 2019)

Processed Conventional, FHA, VA, and USDA loans
Worked on dedicated Florida, Maryland, New York, and Massachusetts teams for purchase and refinances from 2015-2016
Worked predominantly Florida purchase and refinance for loan officers from 2016-2019
Reviewed all aspects of the loan for final Underwriting review: Assets, Income, Credit, Hazard Insurance, Title, Flood Insurance, and all other areas to ensure loans were viable for closing.

Mortgage Loan Officer Assistant for Lisa Wills (August 2019-February 2020)

Worked with High Net Worth and Affluent Certified Loan officer Lisa Wills based out of Tampa, Florida
HELOC originations including pricing of loans along with gathering documents for underwriting and closing.
Purchase - Predominantly Jumbo loans (Retail channel) with pricing out loans and gathering documents for underwriting and closing.
Worked with processing partners to help make sure all items of the loan were completed for closing
Worked with realtors in regards to any items needed for closing of loans.

Citibank, N.A.

May 2012-February 2015

Mortgage Loan Processor

Processed HARP loans from 2012-2013
2013 Citibank Leaders in Excellence Award (awarded June 2014 - San Diego, CA)
Processed High Net Worth California Purchase Loans from April 2014-February 2015
Worked with Conventional loans and Jumbo Loans - Self Employed, W2, and retirement income
Reviewed all aspects of the loan for final Underwriting review: Assets, Income, Credit, Hazard Insurance, Title, Flood Insurance, and all other areas to ensure loans were viable for closing.

State Licenses

18 States that I am licensed

I am required by law to main a license in each state that I conduct business. In addition to the NMLS mortgage requirements, I go through extensive testing and training to maintain an active license and good standing each year that I am active in the mortgage business in the following 19 states:

I currently work at Mutual of Omaha Mortgage (NMLS #1025894).

Arizona (Arizona Department of Insurance and Financial Institutions)
California (Department of Financial Protection and Innovation (DFPI))
Delaware (Delaware Office of the State Bank Commissioner)
Florida (Florida Office of Financial Regulation/Division of Consumer Finance)
Georgia (Georgia Department of Banking and Finance)
Indiana (Indiana Department of Financial Institutions)
Iowa (Iowa Division of Banking)
Louisiana (Louisiana Office of Financial Institutions)
Maine (Maine Department of Professional and Financial Regulation)
Michigan (Michigan Department of Insurance and Financial Services)
New Jersey (New Jersey Department of Banking and Insurance)
New Mexico (New Mexico Regulations and Licensing Department / Financial Institutions Division)
Nevada (Nevada Department of Business and Industry - Division of Mortgage Lending)
North Dakota (North Dakota Department of Financial Institutions)
Texas (Texas Department of Savings and Mortgage Lending)
Virginia (Virginia Bureau of Financial Institutions (BFI))
Washington (Washington Department of Financial Institutions)
Wisconsin (Wisconsin Department of Financial Institutions)

My state licenses can be verified at the NMLS Consumer Access website

Please note that by law I am only allowed to conduct mortgage transactions in these states.