Mortgages Made Easy

When you’re ready to buy your dream home, we’re ready to work with you. You’ll be in the hands of experts as JoshMoodyLoans.com structures the perfect mortgage loan for you.

Give us the scoop on your buying scenario. In the thousands of homeowners we’ve helped, we’ve come across nearly every borrower situation possible. Credit score in the 500s? There’s no loan we haven’t done and no problem we can’t solve.

See what you qualify for


Why Choose JoshMoodyLoans.com?

Built on Rock-Solid Reliability

Our team is a force of experience, with over 2 decades of expertise under our belts. We’ve seen it all and know how to navigate even the trickiest mortgage situations.

Confidence You Can Count On

We don’t just process loans, we empower your homeownership journey. With clear communication and a commitment to excellence, we’ll guide you every step of the way, ensuring a flawless mortgage experience.

Loan Library Unleashed

Forget cookie-cutter loans. We offer a wide-ranging arsenal of programs—from conventional home loans to condo expertise, and even options for those with less-than-perfect credit (we’re talking scores in the 500s!)


See What Our Customers Are Saying


Whether you are buying your first home, refinancing your home, or looking for your next home, we can help!
1
Call The Best: Don’t settle for just any mortgage company. Contact JoshMoodyLoans.com to work with the best mortgage lender.
2
Let’s Talk Loans: Throw any loan scenario at us and we’ll make it happen. Our clients deserve the best so we make sure to offer nearly every residential loan option available.
3
Let’s Talk Loans: Throw any loan scenario at us and we’ll make it happen. Our clients deserve the best so we make sure to offer nearly every residential loan option available.

We Have The Loans You Need

Ready to level up your property game? Buying, refinancing, you name it—we can do it. Need a quick close? We can make it happen. Our range of residential loan products has helped thousands become homeowners or take advantage of their equity.

Other mortgage companies may try to fit you into their boxes. At JoshMoodyLoans.com, we build the boxes around you and your needs. Let’s talk about your situation and we’ll find the best match for you.

  • FHA loans
  • VA loans
  • USDA loans
  • Conventional loans
  • Non-conforming loans
  • Cash-out refinance
  • Bank Statement loans
  • DSCR loans
  • Loans for condos or manufactured homes
  • Non-warrantable
  • Second mortgages
  • Investment properties
  • Construction and renovation loans

The Highlands Digital Mortgage Experience

The Highlands Residential Mortgage app makes it easy to plan, manage, and learn more about your personal loan process.

Application on Phone

Mortgage FAQs

It’s normal to have questions when financing a home or other property. We’ve answered frequently asked questions to help guide you. Still have questions? Call us at (979) 997-2899.

How do I know if I’m ready to buy a house?

Being ready to buy a house will mean something different for everybody. But if you want to stop renting and settle in one spot—and can afford a monthly mortgage payment—we want to work with you.

What is the lowest credit score to buy a house with?

Clients who have come to us with scores in the 500s are now some of our many happy homeowners. Bottom line: If you are ready to buy a house, we will help you.

Is a 20% down payment always required?

Nope. If you’re looking for a loan with a low-down payment, we have multiple loan options that could work for you.

We Don’t Just Make Loans, We Make Homeowners

Stop dreaming about homeownership and start living it! Our experts are here to help you break down homebuying barriers and turn your dream home into reality.