Josh Howard NMLS 1716585 - DRE 02251926 Xpert Home Lending

02/02/2026

https://www.facebook.com/17019103/videos/3954581084787359/

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10/16/2025

Understanding the loan approval process can seem daunting. It involves prequalification, application, underwriting, and final approval. Each step ensures a smooth path to closing. Have you navigated these steps before?

10/08/2025

Life happens, and sometimes homeowners need to move despite having already low interest rates. Explore options like HELOCs or downsizing. With equity growth and a shifting market, focusing on the overall payment and family needs can lead to better long-term decisions. Have you felt this?

07/19/2025

We are selling our cabin near Bear Valley! Check out and share!

https://www.instagram.com/reel/DMOGxiRSg1Q/?igsh=NTc4MTIwNjQ2YQ%3D%3D

04/30/2025

bio.site/joshhowardre

Josh Howard · · Share your websites, products, social pages, and more, all in one link with Bio Sites from Unfold.

02/05/2025

It’s nice to have a smooth deal every once in a while! 😂😭

11/14/2024

Congrats on the successful closing for our first-time investor client! We utilized a 40-year DSCR loan for this purchase, allowing for maximum cash flow. Thank you Gary and Rutsell Lee with Portfolio Real Estate for your continued trust 🙏

10/27/2024

Open House! Sunday from Noon to 3:00 PM!

Contact Jamie Herrera, Realtor for a showing!!

House photos, infographics, and listing agent details for 395 Geranium Circle, Galt, CA 95632. This home is priced at $739900, with 4 beds, 3.5 baths, and 3,359 sqft.

10/18/2024

This is HUGE!! Our largest wholesale lender is offering a new no-mortgage insurance cash-out refinance!

This can mean accessing the cash in your home while minimizing payment increase!

Message me so I can connect you to the savings!

07/06/2024

https://lstrep.co/8n0xk8_KR

National news and local views for the week

06/20/2024

Unlock your dream home with our First-Time Homebuyer 0% Down Loan Program! 🌟 No down payment, no worries. It's time to turn your homeownership dreams into reality. 🏡✨