
Select from hundreds of loan products tailored to your needs

Josh Racicot
Loan Officer
NMLS# 485408About 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.
Read Blog
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

Down payment assistance

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

home equity insights
For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.
Before you go
You're about to leave guildmortgage.com and enter an external website.
Please note that Guild Mortgage isn't responsible for the products, content, accuracy, or security provided on a third-party website.
Thank you for visiting us!