Joshua Racicot -Rate

Joshua Racicot -Rate Joshua Racicot
Loan Officer,
NorthPoint Bank
NMLS #485408

774-487-1692 in New York state) NMLS 2611

I am a Vice President of Mortgage Lending NMLS 485408 at Rate (operating as Guaranteed Rate, Inc.

09/04/2026

Not a bad Friday at all… one happy buyer closed on their new home and another offer just got accepted!

I can’t be happier for my buyer who just purchased their new home – there’s nothing better than seeing a young family get the keys to their first home.

And now the fun really begins for my client whose offer was just accepted – inspections, planning, decorating, all the good stuff ahead!

If you know someone who’s thinking about buying or refinancing and could use some guidance, I’d be honored if you sent them my way.

09/03/2026

Before you start browsing for homes, one of the smartest things you can do is scope out your mortgage options. Knowing what types of loans you qualify for will help you target your search and negotiate with sellers. That’s where pre-qualification and pre-approval come in. While pre-qualification doesn’t include a deep dive into your financial history, pre-approval does, giving you a more accurate view of your options.

Let’s break down the differences together.
https://myoc.io/CS8J6/xtJdq



NMLS # 485408

09/02/2026

When it comes to buying a home, who you work with truly matters.

Here’s a perfect example. Without the strong communication, experience, and a lot of behind-the-scenes hustle, this deal could have easily fallen apart—or left the buyers with a stressful, disappointing experience.

There are tons of online lenders and real estate pros out there, but we’re definitely not all the same. If you’re thinking about buying a home, make sure you’re working with someone you trust to show up, solve problems, and actually get you to the closing table.

If you know someone who’s thinking about buying or refinancing and could use this level of guidance, I’d be honored if you’d send them my way.

09/01/2026

When it comes to finding a home, every generation looks for something different. Which group do you align with? Take the quiz to find out which generation’s house hunting style matches yours. You might be surprised!

Comment your results below.
https://myoc.io/CS8J6/m2czl



NMLS # 485408

08/31/2026

Be honest, did you get it before the reveal? Property taxes are sneaky like that. They can shift over time as your local assessment changes, which is one reason your monthly costs can climb even when your rate stays put. Knowing what drives those changes puts you ahead.

Drop your guess in the comments and tell me if you got it. Then reach out anytime you want to walk through what is really behind your mortgage.
https://myoc.io/CS8J6/sqx8q



NMLS # 485408

08/31/2026

🏡✨ JUST LISTED IN FAIRHAVEN! ✨🏡

Welcome to 710 Dana Farms, Fairhaven, MA — a fantastic condo/townhouse offering comfort, convenience, and plenty of space to call home!

🛏️ 2 Bedrooms
🛁 1½ Baths
📐 1,100 Sq. Ft.

Whether you’re a first-time buyer, downsizing, or looking for a smart investment, this townhouse is ready to impress! 🔑

📍 710 Dana Farms | Fairhaven, MA

👩‍💼 Listed by Angela Kruger
📞 508-776-7871

Ready to make your move? Contact Angela today to schedule your private showing!

🏠 Rose Homes / LAER Realty Partners
✨ Our Ordinary is Extraordinary. ✨

08/28/2026

My three favorite words: CLEAR TO CLOSE!

I’m so excited for my first-time homebuyers on their beautiful new home — welcome home! 🏡

It took a few weeks of searching to find the right place, but once they walked into this one, that was it. We went under agreement on July 27th and were clear to close by August 27th — just 30 days on a MassHousing loan with down payment assistance.

If you or someone you know is thinking about buying a home and could use a guide through the process (or needs help with down payment options), I’d love to help. Your referrals mean the world to me. 💙

08/27/2026

When your tax return doesn’t capture your full financial picture, it’s time to use your assets. Bank accounts, retirement accounts, investment portfolios, stocks, crypto and bonds could offer you loan amounts up to $5M, without a W-2.

I could qualify you for a mortgage using the wealth you’ve been building. Get in touch today and find out which doors your finances could open.
https://myoc.io/CS8J6/SMAVm



NMLS # 485408

08/25/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why. Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.
https://myoc.io/CS8J6/5CDsI



NMLS # 485408

08/24/2026

If I were planning to buy a home in the next 12 months, here’s exactly what I’d do:

First, I’d talk with a loan officer and get pre-approved. Even if I decided not to buy right away, it would give me a clear snapshot of my finances—what I qualify for, what my estimated payment might look like, and what I could work on to improve my position.

Then, once I had a rough idea of what that monthly payment would be, I’d start “test-driving” it. For the next 12 months, I’d put that amount into a high-yield savings account every month.

Why?

Because it does two powerful things:

It shows you whether that payment is truly comfortable for your budget.

It helps you build up your savings at the same time—win-win.

If you (or someone you know) are thinking about buying a home in the next year and want to see what this could look like for you, send me a message. I’d love to walk you through the numbers and help you build a game plan—and if you know anyone who could use this kind of guidance, I’d really appreciate you sending them my way.

Address

469 Angell Street Suite 1 & 5
Providence, RI
02906

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