John Michael Abbenante
Mortgage Loan Originator
NMLS# 1631475 | Serving Texas Statewide
With 14 years of mortgage lending experience, John Abbenante helps Texas homebuyers, investors, and homeowners across every loan scenario — from first-time buyers to seasoned investors, from VA loans to commercial financing. His approach is rooted in one philosophy: take care of the people, and the numbers will take care of themselves.
"Take care of the people and the numbers will take care of themselves. — If you have the will, I'll find a way."
MEET JOHN MICHAEL ABBENANTE
Born and raised in Mission, Texas, and now based in San Antonio, John brings 14 years of mortgage lending experience and deep Texas roots to every client he serves. Family is at the center of his life — he's been married to his wife for 22 years, and together they're raising three children alongside their two dogs.
Outside of work, John has a passion for restoration projects — bringing new life to old furniture, classic cars, and forgotten homes. He's also deeply involved in his community: a certified martial arts instructor, a Spurs Youth League Basketball coach, and an active presence in his kids' sports and activities.
What sets John apart in mortgage lending is his approach. "Most originators look at the numbers and the puzzle that needs to be put together, and when pieces are missing or don't fit, they walk away from that puzzle," John explains. "I love the numbers and I love the puzzles too — but I stay focused on the humans behind the numbers." That philosophy drives everything he does.
If you've ever thought, "we've never worked with you, we do all our financing with our bank or credit union," John gets it — his own wife works at a local San Antonio bank, and they lean on it heavily for their own financial needs. But here's what he's found: most banks and credit unions have a narrow box they need you to fit into. If you don't fit, they can't help you; and if they force the fit, you may not be getting the best option for your situation. John works outside that box — across more than 10 different loan programs — so the solution can be matched to you, not the other way around.
PEOPLE FIRST. SOLUTIONS ALWAYS.
John offers a wide range of loan programs — far beyond what most banks or credit unions can provide — so he can match the right financing to your scenario, not force you into a box.
- 14 Years of Mortgage Lending Experience
- 10+ Loan Programs to Choose From
- VA, DSCR, Refinance & Commercial Specialist
- ASAP Response Time
- Available Nights & Weekends
- Bilingual: English & Spanish (60%)
THE ABBENANTE ADVANTAGE.
People First
Other originators see numbers. John sees the humans behind them — and stays focused on you, not just the puzzle.
14 Years of Experience
A career built entirely in mortgage — he knows the products, the underwriting, and how to navigate the tough scenarios.
"I'll Find a Way"
If you have the will, John will find the way. He loves a tough puzzle — credit challenges, complex income, unique investor scenarios.
Outside the Bank's Box
Banks and credit unions need you to fit their box. John works across 10+ loan programs to fit the financing to you.
WHO I SERVE
John's ideal client is anyone with the goal of buying a home — the reason can sit anywhere on the spectrum, from "we're tired of renting" to "I have 9 rental units and I want to get to 10." Whatever your situation, John finds the path forward.
LOAN PRODUCTS OFFERED
Conventional
Flexible options for buyers with strong credit and stable income.
FHA
Lower down payment options ideal for first-time buyers and growing families.
VA
$0 down financing for veterans, active military, and eligible spouses — one of John's main focus areas.
Jumbo
Financing for luxury and high-balance home purchases beyond conforming limits.
DSCR / Investor
Qualify based on rental income — one of John's specialties for investors building or scaling portfolios.
Bank Statement
Smart solutions for self-employed borrowers and business owners using bank statements instead of W-2s.
Construction
Build-to-own financing for your dream home from the ground up.
Renovation
203k and conventional rehab loans — finance the purchase plus upgrades in one loan.
Refinance
Rate & term and cash-out refinance — a focus area for John, with flexible options to fit your goals.
Commercial
Financing solutions for commercial properties — bringing the same care and attention to your business real estate.
HOW THE MORTGAGE PROCESS WORKS
Discovery
Understand your goals and scenario
Pre-Approval
Verify your buying power quickly
Application
Complete documentation with John's team
Underwriting
Efficient processing at Direct Rate
Closing
Funded and ready for your next chapter
CLIENT EXPERIENCES
"I was hesitant at first because of my credit and divorce situation. John guided me through the process, worked closely with my realtor and closed early and received my deposit back after closing, a true zero down payment purchase!"
"John worked with us to get our credit where it needed to be to purchase our first home. We rented for years and didn't think we'd be able to purchase, but John was patient and worked with us for months to make sure we were ready for the move. Even with our credit challenges, we are now homeowners!"
"John and David helped us refinance out of our hard money loan that had come due. We got a DSCR 30-year mortgage that closed in the name of our LLC, and now the property is cash-flowing like it should."