About Josh Jarrard

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #234275), Josh Jarrard can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Josh welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Josh has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Josh Jarrard Anytime

Feel free to contact Josh anytime by phone or email for personalized service and expert advice. Josh Jarrard will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Josh Jarrard is 203(k) Renovation Lending Certified

Josh is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Josh Jarrard values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Josh by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Kelsey S. Aug-18
“Simple, straight forward process.”
Andrew S. Aug-18
“Quick responses and always willing to explain things in great detail.”
Kelsey S. August 2018
“Simple, straight forward process.”
Andrew S. August 2018
“Quick responses and always willing to explain things in great detail.”
Kelsey S. August 2018
“Simple, straight forward process.”
Andrew S. August 2018
“Quick responses and always willing to explain things in great detail.”
Herbert H. November 2017
“Best team ever!”
Virginia M. Palm Springs, CA
“They were always available to answer ALL of our questions and guide us, explicitly and patiently through the loan labyrinth. They were awesome!”
Gladys K. Oakland, CA
“Josh was fast, thorough, professional and all around great to work with. He went above and beyond to secure the best rates.”
William H. Saugus, CA
“Josh understood and explained everything I needed to accomplish! Thank you for your top-notch service. Looking forward to working with you again soon!”
Joseph C. Los Angeles, CA
“I will try to make this short and direct. I have never dealt with someone as GREAT as Josh! Taking care of you is his number one priority! We are blessed to have them:)”

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