Josh McCombs - The Mortgage Man

09/04/2026

I helped you get your mortgage, but I’m also here when things get tough.

If you’re struggling to make your mortgage payments, you’re NOT alone. Don’t wait until it becomes a bigger problem. I’m happy to help you look at your options and point you in the right direction.

Call me anytime. I’m here to help!

09/04/2026

FOUR CLOSINGS TODAY! 🔥

It’s Friday, September 4th, and what a way to head into the holiday weekend! 4 families officially closed on their new homes today!

Congratulations to all of my buyers and business partners, and thank you for trusting me to be part of such a milestone!

Have a great weekend, everyone!

09/04/2026

Congrats to the city of North Port for reaching a population of over 100k!! What’s the prize?

NORTH PORT — North Port is not a small town anymore.

09/03/2026

If you’re in this crazy business and you want to be successful you better make your health a top priority.

I see way too many loan officers working 60 hour weeks, carrying hundreds of extra pounds, eating like crap, living on stress, and treating their health like it’s something they’ll deal with later.

But here’s the reality: you can’t close loans from a hospital bed. This business is stressful, deals blow up, phones don’t stop ringing, clients need you, realtors need you, underwriters need you.

That’s exactly why you have to take care of yourself.

Work hard, make money, build your business, but don’t sacrifice your health trying to build a life you’re too unhealthy to enjoy.

Your health isn’t a luxury, it’s part of the job. 💪

09/03/2026

This one might be the deal of the year! If you’re looking to live in Cedar Grove in North Port, this is it!

NEW PRICE — $314,900 | OPEN HOUSE SATURDAY 12–2

2599 Sherman Oak Dr in North Port — upgraded 3/2 Marina model on a private preserve lot with no rear neighbors. New roof + gutters (2024).

Saturday, September 5 | 12–2 PM

🛏 3 Beds | 🛁 2 Baths | 📐 1,655 Sq Ft

Property Details:
https://myre.io/0V7CxYwRmRRh

Video Tour:
https://www.youtube.com/watch?v=35zr16sK9uE

Granite countertops, staggered maple cabinetry, 8-foot interior doors, LVP flooring, updated landscaping, and a screened lanai overlooking the preserve.

Come see it Saturday or message us for a private showing.

09/03/2026

⭐️⭐️⭐️⭐️⭐️ ANOTHER AMAZING 5-STAR REVIEW!

Not only was this an incredible first time homebuyer, but they’re also a FIRST RESPONDER! 🚒

It’s an absolute honor to help those who spend their days helping others, achieve the dream of homeownership.
Thank you for trusting me with such an important milestone!

First responder. First time buyer. First class experience.

09/03/2026

Football is back! This is my all time favorite play, what’s yours?

09/02/2026

When everyone works together, things are easy. When everyone doesn’t, everything becomes difficult.

09/02/2026

The only difference between a good day and a bad day is
your attitude. I hope you have a great day!

09/02/2026

Mortgage rates didn’t move the way we expected them to… and honestly, I think that’s the more interesting story.

We have this idea that the Fed says something and then mortgage rates react, but it just isn’t that simple.

Mortgage rates are priced every day based on what the market thinks is coming NEXT.

Inflation.
Jobs.
Oil.
Economic growth.
And what the Fed is likely to do months from now.

So by the time you see a headline saying:

“FED EXPECTED TO CUT RATES…”

A lot of that expectation may already be built into mortgage rates.

That’s why you can have a huge Fed announcement and mortgage rates barely move
or the Fed can actually CUT rates… and mortgage rates can go UP.

That one really confuses people.

The Fed controls a short-term interest rate. Your 30-year mortgage is much more connected to the bond market and expectations for inflation and the economy over time.

So when someone tells you:

“Just wait until the Fed cuts rates.”

That’s not really a mortgage strategy.

Nobody knows exactly where mortgage rates will be when that happens.

They could be lower before the cut. They could barely move afterward. They could even move higher.

If you’re thinking about buying, I’d rather build a plan around the numbers we actually know today—and treat a future drop in rates as an opportunity if we get one.

Don’t build your entire home buying plan around a rate forecast nobody can guarantee.

— The Mortgage Man