Josh Jarrard
Loan Officer
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NMLS ID# 234275
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Josh
Josh Jarrard is a Loan Officer serving the Santa Clarita Valley area of California, helping homebuyers and homeowners navigate the mortgage process with clarity and confidence. He works with a wide range of clients, including first-time homebuyers and those looking to refinance, and provides guidance on loan options such as conventional, FHA, VA, and other tailored mortgage solutions. Josh focuses on clear communication, responsive service, and helping borrowers choose financing strategies that align with their long-term goals. His approach emphasizes simplifying the lending process from pre-approval through closing, ensuring clients feel informed, supported, and confident every step of the way.
I am licensed in: CA
Learn About Lower Reverse Mortgages
If you're age 55 or older, your home equity can be a powerful financial tool. Whether you're looking to buy a home, refinance your current mortgage, or access additional equity, Lower offers a range of reverse mortgage solutions designed to help you achieve your retirement goals.
No Monthly Payment
With eligible reverse mortgage products, you can eliminate your required monthly principal and interest payment.
Flexible Ways to Receive Funds
Depending on the solution you choose, you may receive funds as a lump sum, monthly payments, a line of credit, or a combination of options.
Access Equity When You Need It
A standby line of credit you only tap into if and when you need it.
Purchase, Refinance, or Access Equity
Use a reverse mortgage to buy your next home, refinance your current mortgage, or open a standby line of credit against your equity.
Josh, Gino, Anita and the entire team were just absolute pros throughout the entire process with my very challenging scenario! wWill definitely be referring my friends and family.
Shahrouz H.
Verified Customer
July 30, 2026
Thank you!
Lance M.
Verified Customer
July 16, 2026
The tentativeness was incredible. I don't think the phone rang more than 2 times before Josh picked it up.
Cooper A.
Verified Customer
May 1, 2026
Josh made our experience simple and convenient with his constant communication. He responded to all our inquiries throughout the process with honesty, encouragement, and guidance that made this experience one that I will always appreciate. We would love to work with Josh again in the future, and will recommend his services to our family and friends.
David P.
Verified Customer
April 10, 2026
Josh was incredibly friendly and supportive throughout the entire process. As first-time homebuyers, my husband and I were unfamiliar with how everything works and what to expect. His clear communication, expertise, and professionalism reassured us and ensured everything went smoothly. We're very grateful to have been referred to Josh as our lender. Many thanks to him and his team, Tina and Deanne, for their dedication and for helping us close within 30 days! I will definitely recommend their services to friends and family.
Lezette P.
Verified Customer
April 8, 2026
Josh is very responsive, answered texts and emails promptly. He's very creative and always finds a solution. Several options were presented. Keep up the good work Josh!!!!!
Jorge M.
Verified Customer
March 14, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.
