Get Started Today
Choose the option that works best for you. Whether you are ready to apply, want a quick prequalification, or prefer to talk first, I am here to help.
- 23+ Years Experience
- 1,000+ Loans Funded
- 4.9★ from 200+ Reviews
- NMLS #344326
Your Path to Homeownership Starts Here
Whether you are purchasing your first home, upgrading to a new one, or refinancing your current mortgage, I will guide you through every step. Choose from a full application, a quick prequalification, or a free consultation below to get started.
Path A
I'm ready to apply
Skip the back-and-forth and go straight to the application or consultation that fits you.
Path B
I want a quote first
Not ready for a full application? Share a few details and Josh will send a personalized pre-approval quote based on today's actual rates — usually within minutes during business hours.
What to Prepare
Having these documents ready will help speed up your application process. Do not worry if you do not have everything yet. I can guide you through what is needed.
Identification
- ✓Government-issued photo ID (driver's license or passport)
- ✓Social Security number
Income Verification
- ✓Last 2 pay stubs (most recent 30 days)
- ✓W-2 forms from the past 2 years
- ✓Federal tax returns from the past 2 years
- ✓If self-employed: business tax returns and profit/loss statements
Assets & Bank Statements
- ✓Bank statements from the past 2 months (all pages)
- ✓Investment and retirement account statements
- ✓Gift letter (if applicable for down payment)
Additional Documents
- ✓Rental history or current mortgage statements
- ✓Divorce decree or child support documentation (if applicable)
- ✓VA Certificate of Eligibility (for VA loans)
- ✓Bankruptcy or foreclosure discharge papers (if applicable)
Not sure what you need? No problem. Contact me and I will walk you through everything.
Ready to Get Started?
Take the first step toward your dream home. Apply online in minutes or schedule a free consultation.