Josh Rubin provided my fiancé and I exceptional service. He and his team were patient with us, considering this was our first purchase. Josh responded to our many emails and phone calls at all times of the night and on weekends. We can't say enough about how thorough Josh was throughout our entire process. He really fought for us all the way to the very last minute during our closing. We appreciate all of the assistance and hard work that he and his team did for our family. We highly recommend Josh and his team! If you want someone that will fight with you through the exhaustive process of purchasing a home...then Josh is your guy.More Less
For over 3 years, I've attempted to buy my first house. I've tried working with several different big lenders and loan officers, but it's a complicated and lengthy process and I've never been able to close on the homes I wanted. That route never worked out for me, so I decided to give Josh and Horizon Financial a chance. A few short weeks later and I am still amazed that I'm now a homeowner.
When we first spoke on the phone I knew that Josh was looking out for my best interests. He has built great relationships with the realtors I was working with, and by communicating directly with each other they were able to make everything happen a lot quicker than I was used to. When we sat down to go through the piles of necessary mortgage paperwork, Josh did an excellent job of translating each document of legalese into words that I could understand. He is highly professional, yet he conducts business in a very casual and relaxed atmosphere which made the process stress-free. Josh was always available through phone or email. He would respond immediately and it felt like he put me above everything else he was doing.
Above all, Josh's experience and expertise is what sets him apart from every other mortgage broker there is. There were several curveballs during my loan application process that would cause every other agent to turn me away, but Josh took care of them for me without hesitation. He even helped me out with an issue during closing when it was not his responsibility to do so. It felt like my best friend was helping me buy my home instead of a mortgage company looking out for their own interests. I was lucky to have Josh Rubin recommended to me, and I would urge anyone looking to buy a home to choose Josh before going anywhere else.More Less
Joshua and his team were outstanding! They were always extremely responsive and their attention to detail is unmatched. Joshua was very thorough and was sure to explain all of the documentation throughout the process and quick to address any questions or concerns I may have had. Half way through the process (after the appraisal was received), we decided to change the structure of the loan in order to take cash out against the equity in the home. Joshua was quick to submit the amendments and was still able to close within a day or so of the original quoted closing date. Highly recommended!!! I have already provided his information to multiple colleagues and friends!More Less