Joshua Racicot -Rate

One of the most rewarding parts of being a loan officer is getting a call from a past client who trusts you enough to come back when they're ready for their next home.

Earlier this year, a previous client reached out because he wasn't sure where to begin. He owned a two-family property that he wanted to keep as a rental and was considering purchasing a single-family home for his growing family.

We talked through his options, answered all of his questions, and got him pre-approved so he could start house hunting with
confidence.
Fast forward a few months—he found the perfect home at the end of May, and now he's on his way to the closing table!

It's always gratifying to help clients achieve their goals and be a part of their journey, not just once, but multiple times.

If you know someone who's thinking about buying a home, moving up, or exploring their financing options, I'd be honored to help. Referrals are always appreciated! 🏡🔑

This is why who you work with matters

A friend reached out to me a few weeks ago because the home he’d been renting was about to go on the market. Like a lot of first-time buyers, he started searching online, found a home he liked on Zillow, and called who he thought was the listing agent.

Turns out, it wasn’t the listing agent at all — just someone advertising on the site. From there, he got passed to a mortgage broker who told him to fill everything out online. As a first-time homebuyer, he had a lot of questions and didn’t feel comfortable with the process or the people he was working with.

So we sat down after work, talked everything through, and made sure he understood all of his options. I was able to get him pre-approved with down payment assistance through MassHousing, plus an additional $20,000 grant through our Launch program. We also connected him with a realtor who really understood what he was looking for.

Two weeks later, he was under agreement — and now we’re on the way to the closing table.
That’s why I always say: who you work with matters.

Buying your first home is a big deal, and you deserve a team that takes the time to guide you through it.

If you know someone thinking about buying, refinancing, or just looking for honest answers, I’d be grateful for the referral.

🏡 Offer Accepted in Hyannis! 🎉

Another buyer one step closer to homeownership! Grateful to help make moments like this happen.

If you or someone you know is thinking about buying, refinancing, or just has questions about the mortgage process, I’m always happy to help. Referrals are greatly appreciated!

📲 Let’s connect.