John Adkins

Branch Manager

NMLS# 877991

480.231.6189
[email protected]
Serving Phoenix, AZ

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As a Branch Manager with RWM Home Loans, I help educate individuals and their families by bringing awareness to the range of mortgage and reverse mortgage products that can help them achieve their financial dreams and goals. This is done by using my over 20 years of mortgage and financial service experience to help guide individuals and families to find the mortgage that best fits their individual needs. Whether it is a person’s first home or a person’s dream home, I can guide them through the process. I feel each borrower deserves the time and attention it takes to learn about and then select the right mortgage product that will help their specific situation. I want the borrower to feel comfortable with the choices they make. I take pride in making a difference in people’s lives by helping them realize the benefit of home ownership. I have learned that it takes a patient person with the utmost integrity, extensive product knowledge, and experience to be able to navigate the complex maze of lending today.

Serving: AZ, CA & IL

Resource & Guides

Get Pre-Approved

Wondering how much home you can afford? Getting pre-approved for your next home loan gives you a clear picture of your buying power before you start shopping. It helps you set realistic expectations, target the right price range, and make stronger offers when you find the home you love. Pre-approval also gives you an advantage in competitive markets, showing sellers that you’re a serious and prepared buyer.

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Refinance Your Home

Refinancing your home can be a smart way to reach new financial goals, whether you’re looking to lower your monthly payment, shorten your loan term, or access your home’s equity for cash. Life changes, and your mortgage should be able to change with it. By reviewing your current rate and exploring today’s programs, you could save money, build equity faster, or create extra flexibility in your budget. Let’s explore your refinancing options and find the best fit for your needs and long-term plans.

Simplify My Finances

Down Payment Assistance

Buying a home can feel overwhelming, especially when it comes to the upfront costs. The good news is that there may be down payment assistance programs designed to help, and many people do not even realize they qualify. Taking a moment to explore your options could make a big difference in how soon you are able to buy. See what help is available and take a simple step toward homeownership.

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Free Mortgage Calculator

Calculate your estimated monthly mortgage payment.

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Start Smart

Share a quick snapshot of your budget and goals, and your loan advisor will set clear process expectations.

Get Pre-Approved

Apply online, upload documents, and after review and verification, receive a pre-approval letter to strengthen offers.

Finish Strong

Once your offer is accepted, we streamline underwriting to closing, then you sign and get your keys.

Meet My Team

We make it happen by combining our expertise, dedication, and personalized approach to ensure your dream home becomes a reality.

Nichole Daniel

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Robert Kersting

Production Partner

Mortgage Blog

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I am authorized to do business in the states of Arizona, California, and Illinois. AZ Mortgage Banker Lic# 0931565; AZ Branch Lic. #0947596; RWM Home Loans AZ Lic. #0947596; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act 

Arizona License by 16626 E Ashbrook Drive Unit A, Fountain Hills, AZ 85268

Licensed by Illinois Department of Financial and Professional Regulation, Division of Banking, 100 West Randolph, 9th Floor, Chicago, IL 60601

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