Joshua Havner

Experienced Mortgage Loan Officer with over 20 years in the industry, licensed in 35 states. Proven track record of successfully assisting clients in diverse financial situations. Specialized in offering a wide range of mortgage products to meet individual needs, from conventional loans to government-backed programs.  Also providing Non-Traditional Products like Bank Statement, DSCR, ITIN, ect.  Committed to providing personalized guidance throughout the entire loan process, ensuring clients make informed decisions. Adept at navigating complex financial landscapes and offering tailored solutions. Passionate about helping individuals achieve their homeownership goals. With a reputation for integrity and excellence, I bring extensive expertise to every client interaction, making the mortgage journey seamless and rewarding.  My approach is centered on providing individually customized advice throughout the entire loan process, ensuring that clients are well-informed at every step. I am skilled in handling intricate financial scenarios as I specialize in devising customized solutions that align with clients' aspirations of current goals and future goals. My passion for assisting people in realizing their dream of owning a home is unmatched, I encourage my clients to bring me any other options they may have been given.  I don’t shy way from competition, I want to make you a client for life, not just one transaction.

The world of real estate lending is complex, especially when faced with challenging situations such as divorce, estate settlements, or probate buyouts; these scenarios require a knowledgeable and steady hand, which is where my expertise comes into play. I excel in guiding attorneys, CPAs, and real estate professionals through the financial intricacies of various transactions, ensuring equity and fairness for all parties involved. My services also extend to assisting borrowers in refinancing or securing their home purchase. My role is to demystify and streamline all mortgage-related processes.  My leadership style is rooted in calm and kindness, ensuring clear explanations and encouraging constructive feedback to enhance results. I believe in transparent communication to help all parties navigate towards optimal solutions, even in the face of challenges. Maintaining respectful interactions, especially in emotionally charged situations, is paramount.

A personal note from Joshua: My family has been involved in the real estate and mortgage industry for over 55 years, witnessing many changes, their knowledge was my inheritance and by continuing the tradition this is my legacy.

A professional recommendation for Joshua:  For over two decades, Joshua Havner has prioritized understanding his clients' life goals over the quick completion of a single transaction for mere commission. His approach involves taking the time to offer clients a comprehensive and clear perspective on the wide variety of mortgage options available in today's market, many of which are not readily accessible through other companies. Joshua's deep insight into purchase transactions and his extensive network of over 52 realtors make choosing his services an easy decision. Clients seeking to buy or sell property without the hassle and stress know that Joshua is the go-to expert—attentive, knowledgeable, and straightforward.  Joshua is committed to guiding clients towards financial freedom and satisfaction by leveraging their most significant asset: their home. Whether it's refinancing to optimize monthly cash flow or securing a loan for a dream home or investment property that generates passive income, Joshua offers limitless options. He presents these opportunities clearly and is always ready to address any questions, ensuring a smooth and transparent process.