John Labban Mortgage Guru (NMLS #920783)

John Labban Mortgage Guru (NMLS #920783)John Labban Mortgage Guru (NMLS #920783)John Labban Mortgage Guru (NMLS #920783)

John Labban Mortgage Guru (NMLS #920783)

John Labban Mortgage Guru (NMLS #920783)John Labban Mortgage Guru (NMLS #920783)John Labban Mortgage Guru (NMLS #920783)
More

John Labban Mortgage Guru NMLS #920783

John Labban Mortgage Guru NMLS #920783John Labban Mortgage Guru NMLS #920783John Labban Mortgage Guru NMLS #920783

With 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

John Labban Mortgage Guru NMLS #920783John Labban Mortgage Guru NMLS #920783John Labban Mortgage Guru NMLS #920783

With 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

Home Purchases & Refinances

Home Purchases & Refinances

What I originate:

  • Residential Mortgage Loans
  • Purchase - Primary, Secondary, and Investment Homes
  • Refinance - Primary, Secondary, and Investment Homes
  • Home Equity Line of Credit - Conditions apply*
  • Home Equity Installment Loan - Conditions apply*

Loan Products & Programs

Home Purchases & Refinances

Home Purchases & Refinances

Products offered:

  • Fixed & ARM rates


Programs Offered:

  • Conventional Loans
  • FHA Loans
  • VA Loans
  • Home Equity Line of Credit
  • Home Equity Installment Loan 


About John

Home Purchases & Refinances

About John

Why would you work with John:

  • I have 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 

Scottsdale, Arizona 

Mortgage Loan Originator

  • Licensed in 18 states
  • Take bound or make outbound calls to originate both purchases and refinances for Conventional, FHA, and VA clients in 18 states that I am now licensed 
  • Home Equity Lines of Credit and Home Equity Installment Loans
  • Collect the necessary items to send files to Underwriting and close loans
  • Yearly annual examinations required to maintain state licenses

loanDepot

July 2020 - March 2025

Scottsdale, Arizona 

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

Phoenix, Arizona 

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

Jacksonville, Florida and Tampa, Florida 

Mortgage Loan Processor (February 2015-August 2019)

Jacksonville, Florida 

  • 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)

Tampa, Florida 

  • 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

Jacksonville, Florida 

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. 

Social Media

Contact John

Send Message

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

NMLS ID: 920783

Phone: (623) 292-7198 Email: jlabban@mutualmortgage.com

Next Federal Reserve Meeting - 07/30/2025

Federal Reserve left rates unchanged in their June meeting. However, they indicated rate cuts are coming. Will that happen in July?

00

DaysDays

00

HrsHours

00

MinsMinutes

00

SecsSeconds

Photos and Promoted Items

Copyright © 2025 John Labban Mortgage Guru (NMLS #920783) - All Rights Reserved. Please note this is an independent site and not an official company site. I am a mortgage loan officer and my personal site with ALL views expressed on this site are my own and not my company's.


Currently a mortgage loan officer with Mutual of Omaha Mortgage (NMLS 1025894) in Scottsdale, AZ. Mutual of Omaha Mortgage headquarters are located at 3131  Camino Del Rio N, Suite 100 - San Diego, CA 92108. 


Home Equity Lines of Credit and Home Equity Installment Loans available. Certain conditions apply and must meet credit, loan to value, income, and asset requirements. Please call me for details. 


All loans are subject to credit approval. Loans are also subject to income and asset verification. All state and data privacy laws are observed. 


Equal Opportunity Housing Lender. 





Powered by

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept

I'm with Mutual of Omaha Mortgage

We've got HELOC, HEIL, FHA, VA, and Conventional Loans. I look forward to helping you with what you need. 

Learn more