Josephine Race - Mortgage Loan Originator NMLS #2433202

08/21/2026

Rates moved higher during the week ending August 21, 2026, due to pressure from global bond concerns and rising oil prices. Granite Bank is an Equal Housing Lender.

Markets in a Minute

08/19/2026

Preparing to buy a home starts before you apply. Learn how improving your credit, building savings, and managing debt can help in our latest blog on my website.

08/17/2026

Self-employed? A bank statement loan may allow eligible borrowers to qualify using bank deposits instead of traditional tax-return income. Contact me to learn more.

08/17/2026

5.0 star review received on Experience.com for Josephine Race by Terri T - Josephine was amazing!! She was incredibly knowledgeable and efficient and always had our best interests in mind. I would recommend her and Granite Bank all day long!!

Click to see all 86 reviews of Josephine Race | Mortgage Loan Officer | Granite Bank, Loan Officer

08/15/2026

5.0 star review received on Experience.com for Josephine Race by Warren J L - Amazing service! Jospephine made the experience great!

Click to see all 86 reviews of Josephine Race | Mortgage Loan Officer | Granite Bank, Loan Officer

08/15/2026

Did you know eligible investments may be used as mortgage reserves? Depending on the loan program, assets such as stocks, mutual funds, and certain bonds may count toward reserve requirements without requiring you to cash them out. Contact me to learn more.

08/14/2026

Mortgage rates moved slightly lower during the week ending August 14, 2026, as consumer and wholesale inflation data eased rate-hike concerns. Granite Bank is an Equal Housing Lender.

Markets in a Minute

08/13/2026

Does checking your own credit score hurt it? No! Checking your own credit is a soft inquiry and won't affect your score. Knowing where you stand before applying for a mortgage can help you prepare with confidence.

08/11/2026

Physicians may have more home financing options than they realize. Our Doctor Loan Program is designed to help eligible medical professionals navigate student loan debt and unique income situations. Contact me to learn more.

08/09/2026

Thinking about buying a fixer-upper? A renovation loan could finance the home and eligible repairs with one mortgage. Contact me to learn more.