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Hello, my name is Josh Harding.  I am a Mortgage Loan Officer with Navy Federal Credit Union.  I have been in the mortgage industry for over 15 years. In that 15 years, I have worked on over a 100,000 credit reports, traveled nationally to mortgage tradeshows giving credit seminars, was a Loan Officer for Countrywide Home Loans, and I was most recently a Mortgage Underwriter with Navy Federal Credit Union.

Why Navy Federal Credit Union and Josh Harding are right for your needs:

The answer is simple.  I work for an incredible company.

Navy Federal Credit Union is the largest credit union in the world.  NFCU can offer 100% financing with no money down and no PMI (which saves you money).  The servicing of your mortgage stays at Navy Federal for the life of the loan (which is unheard of).

I will be your Mortgage Loan Officer and will be with you from the very beginning. I can answer any credit questions that you may have. Using my extensive knowledge base, I can review all types of income documentation, including tax returns.  I am a specialist in tax returns, especially when dealing with self-employed and special business situations.  I am certified VA SAR. This means that I can review VA Appraisals. My knowledge here is unique, and I love being able to help those that have served our country.  My career with Navy Federal has lasted for over 9, short years.  I worked in virtually every department and know this company from top to bottom.

This said, I can see any red flags that might prevent the mortgage loan from closing and address them from the beginning to allow you to close on your new home.

Give me a call at 458-221-1402 or e-mail me at Joshua_Harding@NavyFederal.org and I look forward to working with you!

Next Steps...

I look forward to speaking with you!  Use this contact button for your first step toward your new or refinanced home.