Step into the home of your dreams today
Building legacies one home at a time.
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Expertise in Your Home Mortgages
YLM Financial are experts is helping your family with tools designed to provide a seamless and stress-free mortgage experience.
First Time Home Buyers
Your first home is special and the home buying journey should also be special. Let the team help you navigate the mortgage process effectively.
Refinance
Lower your monthly payments, tap into your home’s equity, or change your loan terms by exploring your mortgage refinance options here.
Mortgage Calculator
Use the conventional loan calculator to estimate your monthly mortgage payments, including taxes and insurance. Enter your details and start planning.
Track record of putting buyers into homes for over 20 years
2k+
Satisfied Clients
20+
Years of Experience
Dedicated lenders ready to help with your home buying needs
✓ VA/Veteran Loan specialist
✓ Specialized in first time buyers
✓ Specialty with cash buying buyers
What Our Customers Say
★ ★ ★ ★ ★
Buyers love YLM
“I definitely recommend his services”
“As a Realtor I’ve had the pleasure of working with Josh several times. He’s very professional and knowledgeable. I’m always happy when a client chooses to work with him because I know that he will get the job done on time, if not early, and the client will be thrilled with the loan terms and customer service they receive. I would definitely recommend his services!“
★ ★ ★ ★ ★
— CHRISTI S.
“The process of buying my home was so fast and smooth “
“Josh is an awesome Lender!! The process of buying my home was so fast and smooth that, it did not feel like I was buying a home. I was genuinely impressed with Josh’s knowledge, patience, professionalism and passion. I truly look forward to doing business w/him in the future.”
★ ★ ★ ★ ★
— ANDEIA B.
“The entire process was about 2 1/2 weeks.”
“This was the best experience to refinancing I have ever had since the purchase of my home 18 years ago! Joshua was amazing in his professionalism and kindness! Very knowledgeable and honest! The entire process was about 2 1/2 weeks and I am happy happy happy!! Thank YLM and Joshua-you’re the BEST!!!!”
★ ★ ★ ★ ★
— PAMELA E.
Mortgage Calculator
FHA Calculator
Calculates loan details including mortgage insurance, loan limits, and down payments for Federal Housing Administration (FHA) insured loans.
VA Calculator
Computes loan eligibility, funding fees, and benefits for veterans and active-duty military personnel under the Veterans Affairs (VA) home loan program.
Refinance Calculator
Estimates potential savings or costs when refinancing an existing mortgage, including new interest rates, loan terms, and closing costs.
Affordability Calculator
Assesses how much house a buyer can afford based on their income, debts, down payment, and loan terms.
Learning Center Resources
Resources for aspiring and current homeowners to help you through the process of home buying.
