Josh Shirota - NMLS 874132

07/12/2026

5.0 star review received on Experience.com for Josh Shirota at CrossCountry Mortgage by Tina H - Josh is the real deal. He answers all questions with professionalism and expertise. To him, there are no stupid questions, especially from a first time home buyer. I had several health issues that left me forgetful and I must have asked the same questions multiple times. Josh never rolled his eyes, just smiled and answered them. He even wrote the answers out for me to go over later. Josh is personable and genuine. He continues to ask about my Service Animal and how I am doing as well. If you need anything, ask Josh and he will not disappoint. I highly recommend Josh to be your loan officer and go-to guy for anything. He is not just doing his job extremely well, he has become family. Thank you, Josh, for helping me through a very stressful time with the new home. You are a gem that everyone must know about!

Read more: https://experience.com/reviews/josh-shirota-455336/3b2e3221-3dc0-48f2-93a5-f15d48d3a3ae?V=1783880664&utm_source=facebook&utm_medium=autopost&utm_content=13321898

07/06/2026

5.0 star review received on Experience.com for Josh Shirota by Jean F - Josh is a very reliable and attentive loan officer. He explained things well and was a pleasure to work with.

Read more: https://experience.com/reviews/josh-shirota-455336/5e178e9d-ee80-4fe7-84cd-15c4c12bb32c?V=1783301802&utm_source=facebook&utm_medium=autopost&utm_content=13304087

06/27/2026

5.0 star review received on Experience.com for Josh Shirota by Misty G - Josh was easy to talk to. He made the pre-approval process simple. He was there EVERY STEP of the way! He was able to erase my doubts and now my husband and I have our dream home!! Thank you Josh-you are amazing!

Click to see all 14 reviews of Josh Shirota at CrossCountry Mortgage, Senior Loan Officer | NMLS #874132

06/12/2026

4.75 star review received on Experience.com for Josh Shirota by John M - I am very detail oriented. Josh's patience in answering my questions in a pleasant and professional manner was outstanding. He made a process that was confusing and stressful easier.

Click to see all 13 reviews of Josh Shirota at CrossCountry Mortgage, Senior Loan Officer | NMLS #874132

05/18/2026

4.5 star review received on Experience.com for Josh Shirota by Philip P - Josh was great and informative,the other people were very difficult to deal with and to get responses from .I felt CCM web site was more about how well one could follow there directions instead of them acccually ready the information I was providing.Working with different time zones slso made communication very difficult .

Click to see all 12 reviews of Josh Shirota at CrossCountry Mortgage, Senior Loan Officer | NMLS #874132

05/14/2025

It's always a great experience working with Prescott Area Property by The Hyland Group. If you are looking for a home in or around the Prescott area, there's nobody better!

05/09/2025

A Clear-To-Close is a wonderful thing heading into the weekend. Even better when it's the first with new partners!

01/22/2025

Does your lender prioritize YOUR best interest?

When it comes to choosing a mortgage lender, we all know to look for the best rate, cost options. But with thousands of lenders, it’s not realistic to shop all of them to compare. Understanding the distinction between a mortgage broker’s fiduciary standard and a traditional lender’s suitability standard can help you make a decision on who to shop with for your home financing experience.

Fiduciary Standard

Mortgage brokers like Bonelli Financial operate under a fiduciary duty, which legally obligates them to act in the best interest of their clients. This means a broker MUST:

Prioritize Your Needs: Evaluate all available loan options to recommend the one that most closely aligns with your financial goals.

Full Transparency: Disclose all fees, commissions, and any potential conflicts of interest.

Provide Unbiased Advice: By working with multiple lenders to find the most competitive terms and conditions tailored to you.

Being independent professionals, mortgage brokers have the flexibility to shop around and customize solutions, ensuring that the borrower receives a loan that truly fits THEIR unique situation.

Suitability Standard

Traditional lenders, such as banks and credit unions, follow a suitability standard. While this standard requires that the loan offered is “suitable” based on the borrower’s financial situation, it does NOT require prioritizing the borrower’s best interests. This can result in:

Limited Product Selection: Lenders only offer loans from their institution, which may not always be the most competitive option.

Profit-Driven Goals: Loan officers may prioritize products that are better suited to the lender’s profitability goals over the borrower’s needs.

Basic Compliance: Loans must meet minimal guidelines to be considered “appropriate,” but they might not be optimal for long-term financial health.

Why It Matters

The difference between these standards lies in who they serve. A fiduciary standard puts you first, ensuring that every recommendation is made with your best interest at heart. A suitability standard, while ensuring a loan meets basic criteria, may still prioritize the lender's profitability.

How to Choose

When considering your home financing options, ask your mortgage professional about their obligations:

Do they have access to a wide range of loan products?
Are they required to act in your best interest?
Will they disclose all fees and potential conflicts upfront?

At Bonelli Financial, we take pride in providing our fiduciary standard of service to guide our clients toward the best mortgage solutions for their unique needs. With over 45 years of combined experience and over 2,000 loan fundings, our team is committed to delivering tailored advice, competitive rates, and a seamless process every step of the way.

Your home is one of your biggest investments, make sure you have the right advocate in your corner!