Josh Sommerfield MLO# 1408091

08/17/2026

I just helped a young couple in our community who thought they'd be renting forever because they couldn't save up a 20% down payment.

Here's what happened – we sat down and explored the down payment assistance programs available right here in our area. Turns out, there are grants and assistance programs specifically designed for first-time buyers that many people don't even know exist.

This couple went from thinking homeownership was years away to getting the keys to their first home within a few months. The relief and excitement on their faces when we found programs that covered most of their down payment? That's why I love what I do.

If you're a first-time buyer feeling stuck because of the down payment hurdle, you're not alone – and you have more options than you might think. Every situation is different, but there are often local and state programs that can help bridge that gap.

Contact me today to discuss!
916-749-0977

06/26/2026

5.0 star review received on Experience.com for Josh Sommerfield by Ahed A - I cannot recommend Josh Sommerfield highly enough. From start to finish, the entire mortgage process was smooth, fast, and stress-free. Josh was always responsive, professional, and took the time to clearly explain every step so I felt confident throughout.

He truly went above and beyond to make sure everything was completed on time and in the best possible way. I always felt informed and well taken care of.

I highly recommend Josh Sommerfield to anyone looking for a trustworthy and knowledgeable lender. Thank you for the outstanding service!

Click to see all 402 reviews of Josh Sommerfield, Senior Loan Officer | NMLS # 1408091

06/23/2026

5.0 star review received on Experience.com for Josh Sommerfield by Vanessa I - I can’t even put into words how happy I am to have worked with Josh and the entire financial team, from start to close they made this process easy to navigate and I felt supported the whole way. I can’t thank you all enough for helping me not only get into a home I dreamed of but also helping make it financially comfortable.

Click to see all 401 reviews of Josh Sommerfield, Senior Loan Officer | NMLS # 1408091

05/15/2026

5.0 star review received on Experience.com for Josh Sommerfield by mike Y - Josh was amazing. He put together a creative plan and was ready earlier then planned on a tight deadline. Was very impressive. And then we faced delay after delay from the sellers. But Josh kept all in good order, stayed on top of rate lock extensions and handled all of his side flawlessly. Can't thank him enough. Will recommend to any friends in the need.

Click to see all 400 reviews of Josh Sommerfield, Senior Loan Officer | NMLS # 1408091

05/13/2026

I just helped a young couple in our community get into their first home with only $2,500 down on a $525,000 house.

They had no idea programs like this existed. Like so many first-time buyers, they thought they needed 20% down and perfect credit. But here's what happened – we found them a down payment assistance program that covered most of their down payment AND closing costs.

There are dozens of federal, state, and local programs designed specifically to help first-time homebuyers. Some are grants you never have to pay back. Others are low-interest loans. Many have income limits that are higher than you'd expect.

The best part? You can often combine multiple programs. We regularly help buyers stack a state grant with a local assistance program and a low down payment loan.

Every situation is different, and these programs change regularly. What matters is having someone who knows what's available right now in our area and can match you with the right combination.

If you've been putting off homeownership because you think you can't afford it, let's have a conversation. Contact me today to get started – you might be surprised by what's possible.

Josh Sommerfield, NMLS #1408091



The Turnkey Foundation Inc. DBA Partners Mortgage. NMLS #1025894. For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender.

05/09/2026

5.0 star review received on Experience.com for Josh Sommerfield by Arlet F - Josh is the best!! Im
Not kidding with that, this guy is super fast and professional, one day i was just looking information about houses and one month later i was buying my first house already, he is very quick and honest. I definitely recommend to anyone to do business with josh .thank u for everything josh

Click to see all 399 reviews of Josh Sommerfield, Senior Loan Officer | NMLS # 1408091

04/21/2026

5.0 star review received on Experience.com for Josh Sommerfield by Inez B - My sincere thanks to Josh, Kendra and their entire team for handling my recent loan application under sensitive circumstances, consistently supportive, kind, clear and going above and beyond to help me navigate towards a timely and successful home purchase. This is the 2nd time I’ve come to Josh and he has my highest regard -I can’t imagine working with anyone else. Thank you Josh🙏🏽🤩

Click to see all 398 reviews of Josh Sommerfield, Senior Loan Officer | NMLS # 1408091

03/26/2026

The best real estate advice? Buy smart. Live fully. Sleep well. 🏡 Peace of mind comes from having the right strategy behind your purchase. Confidence isn’t accidental — it’s planned.

03/24/2026

Shopping around for mortgage rates and terms can save you thousands over time. 📊 Don’t accept the first offer without understanding your options. Rates, fees, and structure all matter. Let’s compare smartly.

03/12/2026

Referrals from past clients… AGAIN. 🔁🏡 There’s no better compliment than trust repeated. Relationships matter, and serving clients well the first time is what keeps them coming back.