Josh Hartman - Preferred Rate NMLS 215294 - I have been helping my clients with their home loans since 1999 across the nation. I take pride in making sure the client is aware of all of the best programs to help them with making the right decisions. Buying or refinancing a home is likely one of the most complex transactions a person will go through in their lifetime. I work to make sure that everyone is comfortable and up to date with the actions that need to be taken throughout the process.