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Based on 82 star reviews
Based on 92 reviews
Ratings include all 92 reviews. Reviews collected directly from clients are shown only with their permission.
Working with Josh and his team at Rate.com was the best decision we made in our home-buying journey. Getting a fully underwritten pre-approval letter in advance gave us a clear advantage in a very competitive market, letting us lock in a great rate and close in just 14 days! Josh was an absolute delight to work with, supported us at every step, and expertly handled a couple of last-minute details to keep our closing perfectly on track. Highly recommend!
You guys have all been super responsive and helpful guiding us through the process. So far all is great! Justin & Caroline
I’ve been working with Josh Friedson and his mortgage team at Rate (formerly Guaranteed Rate) for over 15 years, and I wouldn’t trust anyone else with my real estate financing needs. Over the years, Josh has helped me purchase numerous investment properties, complete cash-out refinances, and significantly grow my real estate investment portfolio. His knowledge of investment property financing, mortgage lending, and DSCR (Debt Service Coverage Ratio) loans has been invaluable. These loan programs allow me to qualify based on the rental income generated by the property rather than traditional personal income requirements. What really sets Josh and his team apart is their efficiency, responsiveness, and ability to close loans quickly. As a busy real estate investor, I don’t have time to start the mortgage paperwork process from scratch every time I find another investment opportunity. Josh and his team know my financial situation, maintain my previous loan documentation, and make the financing process incredibly streamlined. Whether I’m purchasing another rental property, refinancing an existing investment property, or accessing equity through a cash-out refinance, Josh consistently delivers outstanding service, competitive financing options, and a smooth closing process. I attribute a significant part of my real estate portfolio’s growth and success to my long-standing relationship with Josh. If you’re a real estate investor looking for an experienced mortgage lender who understands investment property loans, DSCR financing, and cash-out refinancing in the Washington DC, Maryland, or Northern Virginia area, I highly recommend Josh Friedson and his team at Rate. After more than 15 years and numerous successful transactions, I wouldn’t go anywhere else!
We had a great experience working with Josh and Jessica! They were incredibly attentive throughout the whole process and were always available to field any questions, any time of the day. They went above and beyond to make our experience seamless, stress free, and tailored to our individual needs. We would recommend them to anyone looking for a loan team!
Josh is a consummate professional and an overall great guy. Would highly recommend working with him and his team!
Response from Owner
Patrick, it was such a pleasure working with you and Laura. I truly appreciate your kind words about our team, and I'm glad we could make everything smooth and straightforward for you. Wishing you all the best in your new home, and please don't hesitate to reach out whenever you need anything down the road. We'll be in touch as well!
Josh and his team were very organized and responsive. They were great to work with. I highly recommend them if you’re trying to get to the closing table. I will be working with them again! Thanks, Josh.
Josh and Rate made the whole process of buying my home incredibly easy. He was always steps ahead helping me figure out the process and get the home of my dreams!
We are 1st time homeowners and had the best experience with purchasing our home with Josh. He is very knowledgeable and insightful on many financial options. Josh and his team quickly responded to any inquiries we had. We can only say positive things about Josh and his team. We had such a great experience.
Josh and Jessica at Rate are truly best-in-class mortgage professionals. From our initial consultation through closing, they were organized, responsive, proactive, and incredibly knowledgeable. What impressed us most was that their support extended far beyond the mortgage itself. They took the time to answer questions, provide guidance throughout the process, and connect us with trusted professionals when we needed help in other areas of the transaction. Their network and willingness to help made a meaningful difference in our overall experience. Buying and selling a home can be complex and stressful, but Josh and Jessica consistently brought clarity, confidence, and a solutions-oriented mindset to every step. We always felt informed, supported, and well taken care of. We would not hesitate to work with them again and highly recommend them to anyone looking for experienced, trustworthy mortgage professionals who genuinely care about their clients’ success.
Josh and Jessica were so efficient and closed the deal in 3 weeks! Great rate as well
No written review
Josh Friedson and his team was awesome! Saved us in a sticky situation. Rates and terms were favorable
We had a complex international move to the DCMV area and were referred to Josh and his team. They dealt with all the administrative challenges, making the mortgage element frictionless and helping us secure our target home in a competitive market. Absolutely would do business with Josh again. Thank you.
I must say that Josh Friedson and his team at Rate are nothing short of excellent! I have worked with so many loan agents before, and no one came as close as to this team. The interest rate was awesome, and the communication throughout the process was superb. Highly recommend- hands down!
Josh is an experienced, well-informed, courteous and supportive mortgage professional. His team is available to provide information at all stages of the process. He is a strong advocate for borrowers and is very helpful during the application period and with any additional documentation requested. I do not believe any other mortgage professional can provide his level of service and vast knowledge.
Response from Owner
Eric, thank you for the kind words. Advocating for borrowers and providing clear guidance at every stage of the mortgage process is what the Friedson Team at Rate is built on. We appreciate your trust and look forward to being a resource for you and anyone you send our way in the DMV.
Josh Friedson and his team were outstanding from start to finish. We were on a tight timeline and they absolutely delivered, helping us close incredibly fast without anything falling through the cracks. The entire team was professional, responsive, and clearly very experienced. You can tell they truly pride themselves on efficiency. Everything was organized, proactive, and kept moving forward without delays. Communication was seamless throughout the process, and they made sure we understood each step along the way. A big shoutout as well to their appraiser network, which was top-notch and helped keep things on track. I highly recommend Josh and his team to anyone looking for a lender who can execute quickly while still delivering exceptional service end to end.
Response from Owner
Kunrui, closing on a tight timeline takes coordination at every level, and we are glad the process felt seamless. Our team takes pride in moving home loans forward without surprises, and our appraiser network is a big part of that. Thank you for trusting the Friedson Team at Rate. Enjoy your new home!
Josh and Jessica are an amazing team! They will stay on top of every detail and give you really good insight and recommendations to help you have the best loan possible! They have the best customer service and they’ll get your loan done super fast and painless. The easiest five stars.
Response from Owner
Seung, Jessica and I appreciate you so much. Helping clients secure the best loan terms with as little friction as possible is the goal every time. Thank you for the five-star recommendation and for trusting our team with your home financing in the DMV.
Response from Owner
Haley, thank you for the five-star rating. It was a pleasure working with you, and the Friedson Team at Rate is here whenever you, your family, or your friends need a trusted DMV mortgage lender.
Josh and Jessica were extremely efficient in the loan process and we were able to close on the house in 3 weeks at a great rate!
Response from Owner
Patricia, a three-week close at a competitive rate is exactly what we strive for on every transaction. Thank you for trusting Jessica and me with your home purchase. We are always here whenever you or anyone in your circle needs a Maryland or DMV-area mortgage lender.
No written review
No written review
Josh, Jessica, and Sharon walked me through the process as a first time homebuyer. They were very nice and patient with me as a first timer which I really needed during this process.
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Josh is exceptionally responsive, professional and excellent. We found ourselves deciding on a Friday afternoon wanting to make an offer about had not yet thought about financing. Luckily our agent put us in touch with Josh, he immediately responded and we had a phone call Friday evening and approval and pre-approval letter to submit an offer by Saturday afternoon. Just exceptional speed. And the following week when other mortgage providers got back to us, Josh had the most competitive rates.
Josh and Jessica were excellent! I worked with them and my amazing realtor Jesse Oakley as a first time home buyer, and had absolute faith in their expertise and getting the best rates with them! Josh and team were super communicative every step of the way, and always happy to jump on a call to explain the most minor questions. Thank you!!
Response from Owner
Thank you so much for the trust you put in the team, Cam! We will be in touch as soon as you have an opportunity to refinance.
Josh and Jessica have been an absolute pleasure to work with. We worked with them on purchasing and then refinancing a home as well. They’re both knowledgeable, efficient, and truly care about making sure we receive the best deals possible.
No written review
Great communication, customer focus, and trustworthiness
Communication was great and closing was fast.
Consistently quick responses throughout the whole process
Josh and team were phenomenal - not just really quick, but understood we needed to close quickly in order to enable our move for a new job with a firm start date in a new state and were really supportive and transparent throughout the process - the task list online was really helpful as well as the additional dialogue with the team. It was also really helpful to have things like the insurance bundle brought into play and an excellent touch to have Josh at our closing. It really reflected his wanting to be a partner for life and not just someone out to collect on a single transaction and forget about us.
Extremely organized team work...
Great working with Josh and his team. Always very attentive and giving updates as they come in. Impeccable customer service. Would definitely recommend working with them.
It was an absolute pleasure working with both Josh and Jessica. Josh’s responsiveness was absolutely amazing.. He checked in on us nights and weekends just to ensure the whole process went smoothly. Josh is knowledgeable, reliable, knowledgeable and customer service oriented to a fault. We would never ever consider using anyone else. -Heather Steall and Bryan Kay
Josh Friedson & Jessica Bowen were amazing…we made an offer at the first of the month which had a little more than two weeks to the closing date…& right before Thanksgiving, that in itself was a Herculean task. But due to holiday schedules, we accelerated the closing by 5 days…& long story short, closed on our dream house w/no stress or issues that arose at the last minute. Both, made going through the approval / financing process effortless + everything was completed online… Lastly, I haven’t purchased a new home in 25 yrs, however Josh & Jessica explained the process & seamlessly guided my wife & I, from the beginning to closing, through the entire process…. We HIGHLY recommend them & their team, you won’t be disappointed at all!
From the time that I contacted Josh to the day we closed on the loan. It was fast, painless and the best loan experience in 60 years. Josh and his team are fantastic.
We had a great experience working with Josh and his team! All of them were very friendly and helpful and responded quickly to texts, emails, and phone calls. We were first-time homebuyers, and Josh basically held our hands through the entire process.
Josh was our mortgage lender and he did a fantastic job! From start to finish, he guided as through the process with ease and confidence. Josh was incredibly responsive and made what could have been a very stressful process actually almost fun. He genuinely cared about our interests and always looked out for what was best for us. His expert guidance and tight management of the entire process allowed us to close quickly which was instrumental in securing our new home. Josh is not only highly professional but he also just a very kind and supportive person, and we could not recommend him more highly!
Josh and his team are the absolute best. If you need a loan look no further. Josh is a total professional and he cares about people not just the loan. Thank you Josh!
We were first time home buyers and it was a pleasure working with Josh Friedson and his team.
Josh is an outstanding mortgage lender who truly made our loan process smooth and stress-free. From start to finish, he was professional, responsive, and proactive in addressing every detail. Working hand-in-hand with Jessica, their teamwork was exceptional—clear communication, prompt updates, and genuine care for making everything go right. Working closely with Jessica, they helped us lock in an incredible, unbeatable rate and guided us every step of the way. From the very beginning to the closing table, Josh ensured we understood each step, making the entire process feel easy and well-managed. I highly recommend Josh to anyone looking for a knowledgeable and reliable mortgage lender who goes above and beyond.
Josh is an outstanding mortgage lender who truly made our loan process smooth and stress-free. From start to finish, he was professional, responsive, and proactive in addressing every detail. Working hand-in-hand with Jessica, their teamwork was exceptional—clear communication, prompt updates, and genuine care for making everything go right. Working closely with Jessica, they helped us lock in an incredible, unbeatable rate and guided us every step of the way. From the very beginning to the closing table, Josh ensured we understood each step, making the entire process feel easy and well-managed. I highly recommend Josh to anyone looking for a knowledgeable and reliable mortgage lender who goes above and beyond.
Exceptional Service – Fast, Professional, and Unmatched! I had the pleasure of working with Josh Friedson, SVP at Mortgagee Lending with Guaranteed Rate, and his incredible team—Jessica Bowen (Sales Assistant) and Olga Quinteros (Assistant Underwriter). Under Josh’s expert leadership, and thanks to the speed, agility, and deep subject matter expertise of Jessica and Olga, I was able to close on my home faster and more smoothly than I ever expected. They don’t just guarantee the rate—they guarantee a job well done, with a level of professionalism and care that is truly rare in the mortgage industry. The process was completely hassle-free, and their commitment to excellence made all the difference. Simply put: they go above and beyond, and they are unmatched in what they do. If you're looking for a team that delivers on every promise and gets things done right the first time, bet on Josh and his team. You won’t be disappointed
Josh and the Rate team provide excellent service and are always responsive. Education about mortgages and the process is a cornerstone of Josh's work, and more than is expected from a lender, which made me more confident in my decisions. Ultimately, Josh and the team care about building a trusting relationship with their clients, and it shows in their service and product. UPDATE Josh and the Rate team were there for my refinance, and I continue to recommend employing their services. After the original purchase, Josh had already worked out when it would be ideal to refinance and set up an alert to watch for rates. As soon as the rates hit the mark, he was immediately on the phone with me working through the refinance and saving me money. This is the kind of service that builds trust and the reason I will work with him and the team again.
Josh and team were very supportive patient and helpful. Always positive.
Josh Friedson Is the best
Smooth process; super responsive. The entire team led by Josh Friedson was amazing.
Josh is/was awesome to work with. The whole experience from beginning to end was easy. Josh and his team are incredibly responsive and easy to work with. I highly recommend Josh and his team.
Josh and his team at Rate were exceptional partners during our recent home purchase. Incredible customer service and attention to detail empowered us to to deliver a competitive offer on our home and a quick closing to meet the sellers' needs. Josh is super approachable, patient with questions, and met us at the closing table to ensure we were fully confident going into this major life milestone. Cannot recommend him enough!
Response from Owner
We're thrilled to hear about your exceptional experience with the Friedson team at Rate! Your confidence in us is greatly appreciated.
Excellent service!