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Have you ever found yourself puzzled by complex mortgage scenarios or in need of quick, reliable answers? JoshJampedro.com is your go-to destination, where you can directly ask Josh Jampedro, a seasoned mortgage professional, any question that's on your mind. Whether it's navigating the intricacies of loan options, understanding lending regulations, or mastering the art of client advisement, Josh's insights are just a click away.


With his extensive knowledge and experience, Josh Jampedro is committed to providing personalized, actionable advice to help you close deals faster and with confidence. Join the community of empowered real estate professionals at JoshExplains.com and start transforming the way you approach mortgages today!

Ask Josh About A Client

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Weekly Key #3: Differences between a broker, bank, lender, and credit union!

By Josh Jampedro • February 14, 2025
When it comes to home financing, home buyers have many different options. There are mortgage brokers, banks, mortgage lenders, and credit unions and the differences can become quite confusing. So, what sets them apart and what choice is right for you?
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Weekly Key #2: The biggest myth in the mortgage industry!

By Josh Jampedro • February 7, 2025
This is one of the most common questions in the mortgage industry and it also has some of the most common misconceptions. It is often assumed that to use your current income you must be on the job for two full years to qualify for a mortgage.
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Weekly Key #1: Differences in Mortgage Pre-Approvals!

By Josh Jampedro • January 30, 2025
When you start shopping for a home, one of the first steps is to get pre-approved for a mortgage. Often, a buyer will get pre-approvals from a few different lenders. When they do, they might be surprised to find that one lender preapproved them for a higher amount than the other. But, why?
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Avoiding stress in the mortgage industry: get a reliable team!

By Josh Jampedro • December 27, 2024
Buying a home can be overwhelming and complicated but it doesn’t have to be. One of the most important things to ensure a smooth transaction is having an agent and lender who work together like a well-oiled machine. When these two key players are on the same page, they create a more efficient and less stressful experience for everyone involved, especially you the buyer.
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Mutual Respect Between Mortgage Pros: It’s Not a Tit for Tat

By Josh Jampedro • December 18, 2024
In the mortgage and real estate business, relationships are everything. Whether working with real estate agents, title companies or other mortgage pros, the foundation of a successful partnership is mutual respect—not a tit for tat. Here’s why genuine collaboration and respect between pros benefits everyone, especially the clients we serve.
josh jampedro with a sign Real estate agents should not replace relationships with their clients

Real Estate Agents Should or Shouldn't Replace Relationships

By Josh Jampedro • December 18, 2024
When buying or selling a home, your real estate agent is key. You want to work with someone you trust, like a family member or friend, but sometimes this can unintentionally complicate things. Let’s explore why real estate agents shouldn’t replace established, professional relationships—especially when it comes to your mortgage.
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Mortgage Loan Estimates: What You Need to Know

By Josh Jampedro • December 12, 2024
When shopping for a mortgage, you need to compare loan estimates from different lenders. But it’s easy to get confused by the breakdown of costs and who’s paying for them. This is a common scenario I see, especially when clients bring me estimates from other lenders that look cheaper—on the surface.
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Here's the Key to Client Referrals and Repeat Mortgage Business!

By Josh Jampedro • December 4, 2024
In the mortgage game, a loan officer’s success is all about service. At the core of that is clear communication and teamwork. These two things not only make transactions smooth but also build relationships that lead to quality referrals and repeat business.
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Why Being Detail-Oriented is Key as a Loan Officer

By Josh Jampedro • November 26, 2024
In the world of mortgage lending, being detail oriented isn’t a skill, it’s a requirement. As a loan officer, your attention to detail can be the difference between a smooth close and a deal that blows up. Let’s dive in and see why.
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Why Real Estate Agents and Loan Officers Must Work Together!

By Josh Jampedro • November 20, 2024
A smooth transaction depends on agents and loan officers working together. Both have big roles—agents guide clients through the process, loan officers get the financing to close. Here’s why communication is key:
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