Meet John S. Butts, Senior Vice President, LPO Manager, & Top Rated® National Banker with BuildBuyRefi.com and NationwideHomeLoansGroup.com, Powered By The Federal Savings Bank.
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John Butts

Top Rated® Sr. Vice President & LPO Manager

FNMA HOMESTYLE SPECIALIST | VETERAN LENDING SPECIALIST | FHA 203K SPECIALIST | VA RENOVATION SPECIALIST | NEW CONSTRUCTION LOAN SPECIALIST | CONSTRUCTION LOAN SPECIALIST

NMLS ID# 18143

With over two decades of industry leadership and more than $500 million in funded home loans, John S. Butts brings unmatched experience, insight, and strategic execution to BuildBuyRefi.com’s Construction, Purchase, and Renovation Division. As Senior Vice President and LPO Manager, John plays a pivotal role in advancing our national lending footprint—delivering tailored solutions and exceptional service to homebuyers, builders, investors, and high-net-worth clients across the country.

Originally from Daytona Beach, Florida, and now based in Jacksonville, John studied Business Management and Marketing at Bethune-Cookman University, laying the foundation for a career built on performance, innovation, and service. He has held multiple high-level roles in the mortgage space, including Senior Loan Officer, Branch Manager, Sales Manager, and Community Lending Market Leader. His leadership extends beyond origination, having served on advisory boards focused on elevating the client experience, optimizing team performance, and enhancing operational efficiency.

John’s expertise spans FHA, VA, conventional, jumbo, down payment assistance, construction, and non-QM lending, with a specialized focus on complex income analysis and strategic loan structuring for self-employed borrowers and real estate investors. Whether working with first-time homebuyers or managing intricate portfolio deals, he delivers intelligent, honest, and personalized guidance that empowers clients to make confident, long-term financial decisions.

At the core of John’s approach is a simple belief: no borrower should disqualify themselves from homeownership without speaking to a trusted expert first. He leads with education, transparency, and advocacy—demystifying the mortgage process and helping every client feel seen, supported, and understood.

Outside of his professional life, John is a dedicated father to four children, a professional drummer, and a passionate supporter of the fine arts, sports, and local community initiatives. He actively participates in the Chamber of Commerce, mentorship programs, and grassroots outreach, helping shape the next generation of leaders in real estate and finance.

Whether you're building a new home, refinancing, or exploring complex financing options, John S. Butts is the trusted advisor you want in your corner.

Schedule A Strategy or Follow-Up Call With John Butts


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THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.

*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

*No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.

*Messaging and Data Rates May Apply.

*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.

*We do not offer new dealer-manufactured home loans in New York, but we do offer modular and site-built land and home construction.

*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.

REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.

†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program we offer exclusively to help our consumers save on their real estate transactions.

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