Joshua C. Crater
Mortgage Banker, CMP | NMLS# 218312
Joshua Crater is a top-tier NMLS licensed and national S.A.F.E. certified mortgage professional with a decade of residential lending experience which he utilizes to the great benefit of his clients. Joshua has an exemplarily track record of building lasting relationships and receiving extraordinary 5 STAR customer service ratings from clients and real estate partners. Joshua’s specialties include but are not limited to VA Military home loans up to $1.5 million, JUMBO home loans up to $10 million, FHA Home loans and All Types of traditional Refinance /Purchase loans for Primary Homes, 2nd Homes and Investment Properties on 1-4 Unit Properties. Joshua is committed to placing clients in loan programs that best meet their individual needs and finding the best and most competitive loan programs for each and every clients unique situation. He is passionate about helping customers realize the dream of home ownership as well as understand how to build wealth through mortgages, home equity and real estate investments, with a focus on building home equity and personal cash flow. Joshua and his wife reside in the Surfside community of Huntington Beach with their 2 rescue dogs Buddy and Junior. As followers of their Christian faith, Joshua and his wife are passionate about giving back to those that need it most and that is why they have committed a generous portion of their earnings to projects they are passionate about; such as providing the transforming gift of mobility to the physically disabled poor in developing countries through the gift of free wheelchairs or the 3 life giving water wells they sponsor in India, Ghana and Cambodia to serve thousands of local residents who would otherwise perish from lack of clean water.
Joshua Crater is a top-tier NMLS licensed and national S.A.F.E. certified mortgage professional with a decade of residential lending experience which he utilizes to the great benefit of his clients. Joshua has an exemplarily track record of building lasting relationships and receiving extraordinary 5 STAR customer service ratings from clients and real estate partners. Joshua’s read more …
"Joshua Crater did an amazing job getting our refi finalized as our situation was not in the "Normal" range. I am of the opinion you won't find any mortgage company more honest and hard working."
Rick M. - Mammoth Lakes, CA
"I was skeptical at first when Josh told me he could refinance me through the VA above the VA limit, but it turns out his lender makes up the difference and I was able to get a VA loan for almost $700k. No last minute surprises, requests, or delays. Great to work with!"
John K. - Sacramento, CA
"I've purchsed several homes over the past 20 years and my recent experience of financing a vacation home with Josh was stellar. I was concerned with the process and Josh definitely made me feel comfortable! The process was so easy I decided to refinance my home after."
Todd Z. - Irvine, CA
"I refinanced our 30 year home loan at the end of 2012 from 4.3% to 3.5% with Josh and his team. They were the only folks who were professional, detail oriented, not agressive or pushing to close. They were patient and I would highly recommend them to anyone."
Steve G. - Lake Forest, CA
"Josh Crater at Rate 1st Mortgage and his very able staff took care of every issue, dealt effectively with the underwriter, and got my loan with the BEST terms and price. I would call them again in an instant, and have recommended Rate 1st to several friends."
Jerry H. - Long Beach, CA
"I had to write a review after working with Joshua Crater and his team on the refinance of my home in San Clemente, CA. A friend had referred me to Joshua and I have to say that I was very impressed at his level of knowledge and experience in the mortgage industry. My credit report had a few minor errors, he was able to fix them for me and had me qualified for 3.875% jumbo 30 year fixed in a very short period of time. Their rates are better than the major banks I talked to and it is so nice to work with a company that actually cares about their customers and their reputation. I would highly recommend calling Joshua before applying with any other mortgage lender."
Karyn P. - San Clemente, CA
"Josh was able to get us a great rate for our loan---3.375% on a 30 year fixed. We were first time home buyers and so pleased with the service provided to us. Josh is extremely knowledgeable, easy to work with and always available to answer questions. I have already referred friends/family and will continue to do so in the future."
Marlena L. - Westminster, CA
"Josh was able to provide us with a very competitive rate for our refinance even though I was an employee of one of the largest banks. Josh is extremely knowledgeable and was always available to answer any questions we had. I highly recommend Josh and would not hesitate to use him again."
Robert V. - Mission Viejo, CA
"Josh played a pivotal role in my home buying experience. With his vast knowledge of the business and willingness to answer all my questions, he made the process go seamlessly. Josh is a great person work with and I would definitely use him for future needs."
Matt A. - Westminster, CA