Joshuamortgage

Joshuamortgage JCM Lending, LLC NMLS #2398036, Equal Housing Lender.

06/15/2026

Most of the people I end up pre-approving to buy a home are actually in BETTER shape than they think.

There are a ton of misconceptions out there about what it actually takes to buy a home. Down payment, credit score, job history, all of it.

If you're renting right now but want to own a home at some point, (even if thats years from now) this is good to know.

I built a quiz that takes about 2 minutes. No credit pull or anything. It just tells you what kind of shape you're in.

You'll either see if you're in a good spot to buy, or find out what you need to work on. Either way, it's a great use of 2 minutes.

I'll drop the link in the comments.

06/08/2026

Helped a first-time buyer close on their first home a few months ago. When they first reached out to me, they were convinced they were at least a year away from being ready.

Turns out they had enough saved for a down payment and didn't even know it. They were waiting to hit some magic number that nobody actually told them they needed.

We ran their numbers, figured out what they actually qualified for, and they were under contract within 60 days.

This happens more often than you'd think. A lot of people are closer than they realize and they're just sitting on the sideline waiting for something that's already here.

If you're curious where you stand, I have a free quiz that walks you through it in about two minutes. Link in the comments.

01/23/2026

A loan officer (LO) on my team just lost a refinance to a competitor.
The reason? The client said: "I didn't know you did refinances..."

UGH.

This LO helped them BUY the house. They worked together for weeks. Built trust. Closed the deal. Celebrated at the closing table.

But somehow, the client walked away thinking he was just "the purchase guy."

Fast forward 18 months. Rates drop. The client is ready to refinance. And instead of calling the person who helped them get into the house... they went somewhere else.

This is the mortgage industry's most expensive mistake.

Here's the thing – if you worked with me on a purchase, I'm your mortgage guy FOR LIFE. Purchases. Refinances. HELOCs. Cash-out refis. Investment properties. Whatever.

I don't disappear after closing. I'm checking in when rates shift. I'm watching your equity build. I'm looking for opportunities to save you money or help you leverage your home to build wealth.

If you closed a loan with me (or anyone on my team), you should never feel like you need to "shop around" again.

We're already your people. Call us first.

And if you HAVEN'T worked with us yet but you own a home anywhere in Arizona...save my contact. Because when life happens – rates change, you need cash for renovations, you want to buy an investment property – you'll know exactly who to call.

That's what a real mortgage relationship looks like.

Address

Gilbert, AZ

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm

Telephone

+16027227794

Website

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