John
Christoff

30+ Years of Mortgage Expertise

John Christoff was raised in Boulder, Colorado, where he developed a love for the outdoors and a strong appreciation for community and service. He relocated to Houston in 2010 and has made residential mortgage lending his passion and his craft.

John genuinely enjoys helping people achieve the dream of homeownership, and he takes pride in making the mortgage process feel clear, comfortable, and stress-free. Outside of work, John enjoys running, indoor rowing, swimming, and spending time in Costa Rica.

He’s an avid reader and loves time with family and friends. John is a U.S. Navy veteran, an Eagle Scout, and a University of Colorado graduate in Business Administration.

Creative Problem-Solving for Every Borrower

John has worked with borrowers in almost every situation — from first-time homebuyers to refinances, move-up buyers, and complex loan scenarios. He’s known for taking time to counsel clients through their options and explain the numbers clearly.

Throughout his career, John has built a reputation for problem-solving and creativity — finding solutions when income is complicated, credit needs improvement, or a loan file has unique challenges. He also focuses on cost-saving strategies, helping clients reduce out-of-pocket expenses and avoid unnecessary fees.