John Adams

About John Adams

Most lenders avoid renovation loans. I leaned into them.Over the years, I kept getting the files everyone else passed on—older homes, VA buyers, complicated renovations, tight guidelines, multiple moving parts. Instead of saying no, I learned how to structure them, how underwriting actually thinks, and how to turn chaos into a repeatable process.That experience shaped what I do today.I’m the national renovation lending leader specializing in VA Renovation, FHA 203(k), and Homestyle loans. My focus isn’t just closing loans—it’s fixing the systems around them so loan officers, operations teams, and real estate partners can execute with confidence.I’m the author of The House Hacking Book and a frequent educator for Realtors, investors, and lending professionals across the country. I’m known for breaking down complex renovation deals into clear, practical frameworks that actually work in the real world.At Planet Home Lending, my role centers on national renovation strategy, education, and execution—helping teams structure smarter files, reduce friction, and expand access to renovation financing.If you’re dealing with a renovation loan that feels “too complicated,” you’re probably in the right place. Call the John Adams Team at 90••••••11 Learn more at Adams | Retail Renovation Leader| NMLS #442266FHA 203K / VA Renovation / Fannie Mae HomeStyle Renovation SpecialistSpecialties: VA Renovation Loans | HomeStyle Renovation Loans | 203K Loans | Escrow Holdbacks | Conventional Pool Escrow | Renovation Mortgages | HUD 100John Adams NMLS #442266Learn more about us at

Experience

1. Retail Renovation Leader

   Planet Home

   Sep 2025 — Present · Fernandina Beach, FL, US

   I’m John Adams, a national advocate for renovation lending and financial freedom through real estate. As the author of The House Hacking Book and a hands-on mortgage professional, I’ve helped hundreds of clients buy smarter, build equity, and create lasting wealth through renovation and VA loan strategies.My mission is simple: to empower families, veterans, and investors to achieve homeownership and financial freedom—while inspiring the next generation of loan officers and real estate professionals to do the same.I lead national renovation loan production while staying grassroots and hands-on, training realtors and mentoring loan officers across the country. I believe renovation lending is more than a product—it’s a movement that transforms homes, communities, and lives. If you’re a loan officer passionate about renovation lending and want to grow your career with the right training and support, let’s connect. If you’re a realtor looking to expand your business with renovation solutions, I’d love to collaborate. And if you need a renovation loan or are curious about becoming a renovation lending specialist… hit me up! Let’s build the dream together.

Education

• Portland State Univ.

  BS, Computer Hardware Eng.

  2000 — 2003

• Fernandina beach high

  High School, Lunch

Skills

• Mortgage Underwriting
• Renovation Lending
• Usda
• Construction Loans
• Investment Properties
• Loan Origination
• Short Sales
• Fha
• Certified Mortgage Planning
• Loans
• Loss Mitigation
• Fha Financing
• U.s. Federal Housing Authority (Fha)
• Hud
• Refinance
• Fnma
• Residential Mortgages
• Va Loans
• Reo
• Fha Escrow Repair
• Non-Conforming
• 203k
• Investors
• Homestyle
• Government Loans
• Real Estate Transactions
• Renovation
• Real Estate
• Hud 100 Dollar Down
• Reverse Mortgages
• Rehab Lending
• Home Equity Loans
• Mortgage Lending
• Foreclosures
• Mortgage Banking
• Homepath
• U.s. Fha Financing