Joshua Racicot -Rate

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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.

11/04/2026

Buying a home in Massachusetts? Meet the team ready to help you make your move at Rate Mortgage!

From Cape Cod to the Berkshires, we know the local markets—and we know that buying a home is about more than finding a place. It’s about finding your place.

We’re here to answer your questions, walk you through your mortgage options, and help you feel confident along the way.

Know someone thinking about buying a home in Massachusetts? Tag them below or send them our way. Your referrals mean so much to our team!

11/04/2026

Buying a home in Massachusetts? Meet the team ready to help you make your move at Rate Mortgage!

From Cape Cod to the Berkshires, we know the local markets—and we know that buying a home is about more than finding a place. It’s about finding your place.

We’re here to answer your questions, walk you through your mortgage options, and help you feel confident along the way
Know someone thinking about buying a home in Massachusetts? Tag them below or send them our way. Your referrals mean so much to our team!

11/04/2026

When you’re thinking about buying a home and applying for a mortgage, credit prep doesn’t have to mean making changes. Sometimes, the smartest first step is simply knowing what’s on your report and asking questions before making a move that could affect it.

Save this for when homebuying is right around the corner, and reach out with questions so we can talk it through.
https://myoc.io/CS8J6/47ixe

NMLS # 485408

11/02/2026

An accepted offer is just the beginning. Inspections, appraisals, financing and title work still need to fall into place before you officially close. Let’s connect to discuss what comes after that initial “yes.”
https://myoc.io/CS8J6/JH1CW

NMLS # 485408

11/02/2026

Your future home can start with one folder.

Organizing documents, such as income, assets, employment and current housing information before you apply could make mortgage prep feel a lot more manageable.

Start with one category today, then keep building from there. If you have questions, I’m happy to help you understand exactly what may be needed when you’re ready to take the leap toward homeownership. Save this post. Future you will be glad you did.
https://myoc.io/CS8J6/8czFF

NMLS # 485408

10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/CS8J6/O8ty0

NMLS # 485408

10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/CS8J6/HsmEI

NMLS # 485408

10/28/2026

Don’t blame ghosts for every creak, thud and clunk. There’s (probably) a perfectly normal explanation for the sounds your home makes. The real trick is keeping up with seasonal maintenance to prevent small issues from spiraling into bigger ones.

Review our home maintenance guide to get your home ready for spooky season.
https://myoc.io/CS8J6/YRDYl

NMLS # 485408

10/27/2026

Feeling squeezed by groceries, gas, and monthly bills? You’re not alone—but if you own a home, there may be a reason for optimism: your home equity could give you options.

The lowest mortgage rate doesn’t always mean the best overall financial fit. A low rate is valuable, but it’s worth looking at the bigger picture if high-interest debt is stretching your budget every month.

For some homeowners, a cash-out refinance could help consolidate debt and lower their combined monthly payments. I’m currently working with a client whose proposed refinance is projected to free up over $1,000 a month. That’s breathing room!

Watch the video for a little perspective on why looking beyond the rate could be worth a conversation.

Know someone who could benefit from exploring a refinance—or someone planning to buy a home? Send them my way or message me. I’d love to help them explore their options!

Address

469 Angell Street Suite 1 & 5
Providence, RI
02906

Website

http://Rate.com/JoshRacicot

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