Be Ready to Make Offers on Homes with Conviction!
Get Financed For Your Dream Home Today
OUR SERVICES
Loan Programs and Products We Offer
FHA HOME LOAN
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA HOME LOAN
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
USDA HOME LOAN
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
CONVENTIONAL LOAN
A conventional loan is a type of mortgage that’s not backed by the government. Conventional loans typically have lower fees, but may be more difficult to obtain and could cost more with challenged credit or with little to no money down. The maximum amount for a conventional conforming loan is $806,500 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
NEW HOME XPERTS
We are also licensed Real Estate Agents in California and we specialize in New Build Construction negotiation and deals! We offer additional incentives and savings when we represent you in the process of purchasing a brand new home. Before visiting the new build model homes let us help you ensure you're getting the best deals and most savings and money back!
SHINING STAR HERO
The Shining Star Hero Program allows for homeownership for heroes in our community!
ABOUT OUR COMPANY
What We Do
We are a full-service mortgage broker based in Sacramento, CA. We specialize in all types of loan products, Conventional, FHA, VA, First Time Homebuyers, and USDA. Whether you are buying a home or refinancing we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
Programs We Offer
In terms of Purchase Loan programs, we offer the following: FHA, VA, USDA, Down Payment Assistance, Investor, Jumbo, Conventional, and Jumbo.
Refinancing? We can help you with that, too!
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs: FHA Streamline , FHA Cash Out, FHA 203k, VA Streamline, USDA Streamline, Conventional, HELOC and Jumbo. What makes Xpert Home Lending unique is that we offer the following niche programs as well: Non-QM Loan, Bank Statement, Jumbos.
CONTACT US
Feel free to text or call...
HEAR FROM OUR AWESOME CLIENTS...
Josh is the best ever!!!
Josh went above and beyond in guiding us through the entire process, providing comprehensive education from start to finish. Since then, every interaction in relation to the matter has been remarkably prompt and effortless. The outstanding level of patience displayed ensured that this experience remained stress-free for us. Josh tirelessly worked day-in and day-out, collaborating closely with our Agent to find the best financial solution for our unique circumstances. When goals were set in conjunction with Josh, rest assured that all efforts would be exerted to make them a reality. Choosing Josh as the lender of choice made us feel incredibly at ease. I wholeheartedly recommend Josh to all our loved ones. Words cannot adequately express the gratitude felt, as our dream home would not have been possible without the exceptional assistance received!
Donald M.
Google Review
Wholeheartedly recommend working with Josh!
Josh is absolutely phenomenal! We couldn't be happier with the outcome – securing the best deal for us and ensuring we got the most value for our investment. Throughout the entire process, Josh expertly led us, helping navigate the complexities with ease. Even after the purchase, Josh's dedication to assisting us remains evident, promptly addressing any questions that come up. The attentive and caring approach Josh takes truly makes individuals feel well taken care of. Working with Josh is wholeheartedly recommended for an exceptional experience!
Leticia R.
Google Review
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
We will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
We will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
Meet Josh
I am a local Sacramento mortgage broker and real estate agent. I live in Wilton with my wife and two boys, who attend Liberty Ranch High School and Arcohe Elementary School. I've been serving customers’ needs for over 20 years. I bring a project management approach with the desire to listen and provide customers like you with personalized attention. My intention is on making your home purchase experience remarkable, simplified, and communicative. There are many financing options that exist and together we will find the right one with the smartest fit for your needs.
Josh Howard
Loan Officer
Meet Josh
I am a local Sacramento mortgage broker and real estate agent. I live in Wilton with my wife and two boys, who attend Liberty Ranch High School and Arcohe Elementary School. I've been serving customers’ needs for over 20 years. I bring a project management approach with the desire to listen and provide customers like you with personalized attention. My intention is on making your home purchase experience remarkable, simplified, and communicative. There are many financing options that exist and together we will find the right one with the smartest fit for your needs.C
Josh Howard
Loan Officer
Call 916-619-1347
Call 916-619-1347
Copyright © 2025 | Licensed In: California | Company NMLS: 2179191 | NMLS # 1716585
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
Your Consent & Privacy: By providing your phone or email, you grant consent for Josh Howard to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.
Copyright ©2023 | Licensed In: California | Company NMLS: 2179191 | NMLS # 1716585