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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

With over 15 years of experience in the mortgage industry, I am passionate about helping buyers achieve their dream of homeownership. Whether you're a first-time homebuyer, searching for your forever home, or considering downsizing, I have successfully guided clients across the South Shore, Southcoast, and Cape Cod, MA, to realize their goals.

As a dedicated Loan Officer based in Dartmouth, MA, I strive to make your mortgage experience as seamless as possible. From the pre-approval stage through your home search and all the way to the closing table, I offer personalized guidance every step of the way.

My career began in sales before I transitioned to the role of operations manager for the mortgage department of a local bank. After six years, I missed the direct interaction with clients and moved into my current role as a Loan Officer. This dual experience in sales and operations has equipped me with extensive knowledge in conventional, FHA, VA, and USDA financing. There are few scenarios I haven't encountered.

As a lifelong resident of the Southcoast, MA, I grew up in New Bedford and stayed local for college, graduating from the University of Massachusetts Dartmouth in 2006 with a bachelor's degree in Liberal Arts, majoring in Political Science. Outside the office, you can often find me at the beach, spending time with family, or on a racquetball court.

If you're looking for a local mortgage expert in Massachusetts or Rhode Island, let's connect and get started. Whether you're interested in New Bedford, Dartmouth, Fairhaven, the tri-towns, Cape Cod, Plymouth, or the surrounding areas, I look forward to helping you find your new home.
 

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.9 out of 5.0 stars
5.0
4.89
5.0
Elijah G
Jul 22, 2025
Verified

Josh and the Guild team were a pleasure to work with in our search for a home. They helped us and were patient with us understanding all the confusing aspects of purchasing a home.
Kristy
Jul 16, 2025
New Bedford, MA
Verified

Timely and communicative
Moriah
Jul 16, 2025
New Bedford, MA
Verified

Josh went above and beyond to help my husband & I go through the homeownership journey. He is always responsive when we need him and gives the space for us to fully understand the steps being taken. He's both professional & personable. We highly recommend Josh!
Melissa
Jul 16, 2025
New Bedford, MA
Verified

Josh communicated the process every step of the way made the whole process smooth right up to the day of closing.
Cynthia
May 27, 2025
New Bedford, MA
Verified

Josh was great from beginning to end.
Erin
Mar 31, 2025
Fairhaven, MA
Verified

Josh provides accurate and fast information throughout the whole process. From market trends to preapprovals and anticipated payments, all the way to the closing process. He was easy to reach and always on top of the next step that needed to be done. He has helped me secure funds for my own home, as well as trusting him to help my clients obtain the best loan products for theirs! Thank you.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #485408
I am authorized to do business in the states of Massachusetts and Rhode Island. MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; MA MLO Lic # MLO485408; Rhode Island Licensed Lender;