Joshua J Duda - Licensed Mortgage Loan Originator NMLS ID #158383

06/10/2026

5.0 star review received on Experience.com for Joshua Duda by Casey L C - Everyone was super helpful and patient, making the home buying process so much easier!

Click to see all 1164 reviews of Joshua Duda, Senior Mortgage Banker | NMLS # 158383

06/09/2026

Buying a home is a journey, and being familiar with the steps makes it feel a whole lot smoother!

Here's the path from submitting an application to getting keys in hand:
📝 Apply and get pre-approved
🏡 Shop for homes within your budget
✍️ Make an offer and go under contract
📂 Our team prepares your file and reviews your documents
✅ Get cleared to close
🔑 Sign the paperwork and receive your keys

Have questions about the process? Let's talk!

06/09/2026

5.0 star review received on Experience.com for Joshua Duda by Dennis S - Because of Duda

Click to see all 1163 reviews of Joshua Duda, Senior Mortgage Banker | NMLS # 158383

06/04/2026

Your LTV ratio can directly affect your monthly payment and overall loan costs. 💵

Loan-to-value = loan amount ÷ home value × 100

LTV stands for loan-to-value, or how much you’re borrowing compared to the home’s value.

Why it matters:
📈 Higher LTV can mean a higher payment
💰 Lower LTV could help you save over time

Even a small change in your down payment can impact your LTV ratio. ✅

Let’s get you home!

06/03/2026

5.0 star review received on Experience.com for Joshua Duda by Timothy N D - They were very helpful over past year it took to sell home here

Click to see all 1161 reviews of Joshua Duda, Senior Mortgage Banker | NMLS # 158383

06/03/2026

5.0 star review received on Experience.com for Joshua Duda by Carolyn S L - You and your team always seem to take that extra mile for us. Ya'll took an unusual situation and made it easy. Thank you so much for everything. We enjoyed working with you, and will be glad to recommend Flat Branch Home Loans.

Click to see all 1160 reviews of Joshua Duda, Senior Mortgage Banker | NMLS # 158383

06/02/2026

Unsure if you're ready to buy? 🤔 Here are a few signs you might be closer than you think:

✔️ You have consistent income and at least 2 years of work history
✔️ Your credit score is in a qualifying range and you are managing debt well
✔️ You have some savings built for a down payment plus closing costs

Want to discuss your options further? Reach out today!

06/01/2026

5.0 star review received on Experience.com for Joshua Duda by Connor V - Due to the timing of the sale of our previous home/close dates, we were on a strict timeframe to get our loan approved. All parties at Flat Branch were on top of everything- making sure every i was dotted and t was crossed, assisting with signatures, and getting the job DONE without making us feel overwhelmed or under the gun. I would (and have) recommended Flat Branch to any of my peers and family.

Click to see all 1159 reviews of Joshua Duda, Senior Mortgage Banker | NMLS # 158383

05/30/2026

5.0 star review received on Experience.com for Joshua Duda by Fredric A L - Very customer oriented. Keep you informed of your progress.

Click to see all 1157 reviews of Joshua Duda, Senior Mortgage Banker | NMLS # 158383

05/28/2026

5.0 star review received on Experience.com for Joshua Duda by Kimberly A J - Josh and his team at Flat Branch were absolutely amazing throughout the entire home-buying process. Incredibly patient, informative, and always quick to respond whenever I had questions or concerns. Buying a home can be stressful, but Josh made everything feel smooth and manageable from start to finish. I truly appreciated his communication, professionalism, and willingness to help every step of the way. It was a wonderful experience, and I’m so grateful to have had him as my lender. Highly recommend!

Click to see all 1155 reviews of Joshua Duda, Senior Mortgage Banker | NMLS # 158383