Josh McKenzie
VP of Lending
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NMLS ID# 1132885
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Josh
I love using my experience and formal education to help clients save time and money on their home loans. I service the entire Pacific Northwest- Washington, Idaho, and Oregon- with my office being located at the heart of the Tri-Cities, Washington, area, which consists of Richland, Kennewick, and Pasco, WA. My goal is always to educate clients and provide a smooth mortgage experience from application to loan closing. In my spare time, you can find me rooting for my twin boys at their various sporting and extra-curricular events, wine tasting or enjoying Tri-Cities fine dining, and spending time with our church family.
I am licensed in: CA, ID, NV, OR, WA
Joshua is very knowledgeable and professional. He is thorough and pays close attention to detail. He was quick to find the best options for me and he helped me with the purchase of my new home. I highly recommend!! He looks out for your best interest and I will always recommend him.
Exposure I.
Verified Customer
September 20, 2026
Joshua always kept me apprised of all of the updates as we worked through the complex process of buying my home He is very knowledgeable and professiona. I highly recommend!!
Eduardo G.
Verified Customer
September 20, 2026
My wife and I couldn’t be happier with our experience with Joshua McKenzie and the entire Lower Mortgage team. From the very beginning, Joshua was incredibly professional, knowledgeable, patient, and responsive. He took the time to explain everything clearly, answered all of our questions, and made …sure we felt comfortable and confident throughout the entire process. What really stood out to us was how much Joshua genuinely cared about helping us achieve our goals. He kept us updated, stayed on top of every detail, and made what could have been a stressful process feel smooth and straightforward. We always felt like we were in good hands. My wife and I are extremely grateful for Joshua’s hard work and dedication. We would highly recommend him to anyone looking for someone they can trust with such an important decision. Outstanding service, excellent communication, and a truly great experience from start to finish!
Roman S.
Verified Customer
September 10, 2026
Josh and Antia with Lower Mortgage where so great to work with and made communication wonderful. Both were willing to be there for me even after hours knowing my work schedule which I truly appreciated very much. Their willingness to help along the many steps through the process of buying and …selling a home, I plan to reach out again in the future if that time comes. A big THANK YOU for everything that you both have done for me and with kindness and professionalism. Thank you so much!
Crissy R.
Verified Customer
August 6, 2026
He was very open and honest about our options and made our dreams a reality by helping us in this process. Answered every question very quickly(trust there was a lot haha) and was always very friendly and polite. Kept us informed and responsible every step of …the way and was understanding that this was a first time experience for us. 10/10 would recommend
Genova M.
Verified Customer
July 15, 2026
Josh takes his time to explain things very clearly, is responsive , knowledgeable, and trustworthy .
Jennifer T.
Verified Customer
June 8, 2026
Josh McKenzie is a pro! Any type of financing projectes tend to be lengthy, over involved, intimidating and usually frustrating. NOT with Josh! He was respectful, knowledgeable and always calm and calculated in his response. He quickly handled all and any unexpected issues and walked us through …the process with ease and confidence. These things are all you need to consider when looking for a agent in this field and we are grateful that he was turned on to us by another trusted friend. That says a ton. Thank you Josh
Ryan P.
Verified Customer
May 19, 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.