John is the architect and founder of The Downs Group. He’s not content to be a top mortgage broker (which he is) — he wants to reinvent the process of getting a mortgage.John wants the lending process itself to illuminate a path to financial independence for his clients. That’s why he helps people become financially literate so that they can make intelligent financial decisions.John’s motto is wealth for the next generation. Whether you count yourself as part of the next generation, or are ready to build the next level of wealth for yourself, John thinks everyone deserves a great financial foundation. John will tell anyone who will listen that a mortgage is an instrument of leverage — and that a mortgage allows you to use someone else’s cash to build your own wealth.Today, The Downs Group is a thriving unit of Vellum Mortgage. John’s team is comprised of mortgage experts who also happen to be fierce competitors, client advocates, friends, athletes, coaches, neighbors, parents and dog lovers.