Josh McCarthy - Mortgage Lending

12/25/2025

Wishing you and your family a wonderful holiday filled with warmth and comfort. Thank you to everyone who has trusted me this year— I’m grateful to have had the opportunity to work with you.

12/23/2025

FHA has announced that loan limits will be increased in 2026. For case numbers assigned on or after January 1, 2026, the loan limit for a single-family home will be $541,287 in most parts of the country. Loan limits vary by county and are subject to FHA guidelines. If you’re thinking of buying a home in 2026, contact me to learn more about your options!

12/22/2025

Your time, energy, and money matter, and how you use them affects what comes next. If homeownership is a goal you’re considering, I’m here to help you move forward with clarity and confidence. Let’s build a straightforward, personalized plan for your homeownership goals.

12/20/2025

Your home's equity could help you have an even brighter holiday season and new year. Here's how you can put it to work: 1. Home Improvements: Use your equity to fund that kitchen remodel or bathroom update you have been dreaming about! 2. Debt Consolidation: Take advantage of low rates to consolidate high-interest debt and ease your financial stress heading into the new year. 3. Holiday Home Refresh: Use your equity to finance a cozy upgrade—whether it is new furniture, seasonal decor, or a fireplace upgrade! 4. Build a Safety Net: Create an emergency fund to ensure you are prepared for whatever the new year may bring. Ready to explore your options?

12/19/2025

Rates continue to hold steady during the week ending December 19, 2025, despite higher unemployment and lower inflation data this week. Granite Bank is an Equal Housing Lender.

Markets in a Minute

12/17/2025

Imagine next year’s holidays around your own table. If home is in your heart, I’d be honored to help you find it.

12/15/2025

Small steps toward homeownership compound fast. Let’s make a plan you feel confident about.
DM me to get started.

12/13/2025

Deck the halls, whip up some cookies, and let the hot cocoa flow! What's on your holiday bucket list?

Whether it's building the jolliest snowman on the block or binge-watching festive flicks, let's make this season the most magical one yet!

12/12/2025

Rates were flat during the week ending December 12, 2025, despite some volatility after the December Fed meeting. Granite Bank is an Equal Housing Lender.

Markets in a Minute

12/10/2025

The Fed trimmed rates by a quarter point in December — the third cut this year. While forecasts suggest fewer cuts ahead, those expectations can always shift. Thinking about buying or refinancing? We’re here to help you explore how today’s market conditions might affect your options.

Subject to credit approval. Rates and terms may vary. Not a commitment to lend.

12/08/2025

Financial wellness is self-care too!

If buying a home is part of your goals this year, I’m here to help you get there — confidently and stress-free.

Let's talk anytime.

12/06/2025

Thinking about ho-ho-homeownership this holiday season?

Owning a home brings a little extra cheer! Whether you are gifting yourself with a new place or setting homeownership goals for 2026, I am just a message away to help make it happen!