Joshua Epps

Sep 29, 2026

Living a 1000 miles away can make a home purchase incredibly stressful, but Josh and his Team including Keith Craddock made it seamless. I would highly recommend them and will definitely use them on my next purchase.

Sep 23, 2026

Keith has now helped us close on another home. He did such an incredible job on the first one we turned around and went back to have him do it again for us. Extremely helpful and knowledgeable. We will always use Keith for future home loans.

Sep 22, 2026

Keith Craddock an Joshua Epps of Rate was a great pleasure having them on the other side of the phone long distance closing was effortless very professional,Thank you for all your help

Sep 16, 2026

Keith and the whole team were a pleasure to work with and they went above and beyond to get everything done.

Sep 5, 2026

I started my process of buying a new home about 2 months ago. The last time I bought a home was 2019 and I used Josh Epps at Rate. It was a great experience, very easy and I had all the support anyone would ever need. I'm 66 years old and I called Josh again to get pre approval for this purchase. I must say it was better than the first time. Rate has this process down to an art. This team of experts Josh, Keith Craddock, Suzanne Gray and others took care of ever step in the process. The Rate app had a task list for me to get done with simple uploads of needed information. The team continually checked in with me , making sure everything was going okay. When it came to the closing there were no surprises ( just like last time I used Josh) and all was perfectly setup. I can't say enough about this Team. If your in the market for a loan, give this Company, Rate, a chance to help you. You too will be happy with the results. Call Josh, I did again it's the best loan experience I've had. Thank you Josh and Team! Great Job Again!!

Jul 10, 2026

I was amazed at the personal service we received by every member on our assigned team. Keith was in constant contact with us. At anytime we could reach out for questions or concerns . His response was within 5 minutes , even on the weekends. The entire team cheered us on to home ownership. Everyone made it so easy. The first email Keith promised us we would close in 30 days and we did !! If we had to sum our experience up in one statement.......A company sent from Heaven to hold our hand and accomplish our dream.

Jul 3, 2026

WORKING WITH JOSH AND HIS TEAM WAS OUTSTANDING. WE WERE SELLING IN TEXAS, MOVING TO SC AND SO DOING EVERYTHING LONG DISTANCE AND I WAS PREPARED FOR THIS TO BE A CHALLENGE. COMPLETELY THE OPPOSITE, WE HAD SMOOTH SAILING THE ENTIRE WAY. THANK YOU! YOUR TEAM ASSISTED US IN MAKING THE NEXT CHAPTER OUR OF LIVES COMPLETE. COULD NOT HAVE ASKED FOR MORE!

Jun 30, 2026

You guys did a great job. Helped me through the whole process. Thanks.

Jun 18, 2026

Keith was awesome! He worked tirelessly to help us get our loan! He went above and beyond our expectations! Thank you Keith!

KEITH CRADDOCK GREAT PERSON , VERY HELPFULL, GLADE HE IS THEIR

very helpful, courteous, hard working and honest

Everyone was very professional and answered all the questions I had

Keith Craddock was on top of everything we needed to purchase our home.

Everyone was knowledgeable

Great communication! Made the process super simple and easy!

They were able to help me buy a condominium on the beach. And they helped me in a way that I did not think was possible.

Great service

Jun 8, 2026

Josh and his team provided an absolutely seamless experience for my wife and me throughout the purchase of our dream property. They secured the best rate we could find anywhere and guided us through a very fast closing process with exceptional communication and professionalism. What could have been a stressful experience was made easy from start to finish, which was especially appreciated since my wife was only a few weeks away from delivering our fourth child. Their attention to detail, responsiveness, and dedication gave us complete confidence every step of the way. We are incredibly grateful to Josh and his team for helping make this dream a reality. We would gladly work with them again and highly recommend them to anyone looking for the very best in the business.

Jun 1, 2026

Everyone was awesome. Went smoothly

May 28, 2026

Keith Craddock was such a pleasure to work with. His advice and foresight were invaluable during our loan application process. He definitely went above and beyond to make sure we were able to get the best rate possible. He also patiently answered all our questions and explained everything in lay man’s terms. The communication was top notch! He was with us every step of the way even when the seller pushed back closing date twice. He kept on top of things and it was smooth sailing from start to finish. Thanks so much Keith and should we find ourselves purchasing another home in the future, we will definitely be reaching out again.

May 12, 2026

Josh and Keith were an absolute pleasure to work with! They made the process so easy, and the communication was prompt and clear! With owning our own business, personal loans can be complicated but not with Rate.com! We would recommend them to anyone looking for a loan!

May 8, 2026

Keith Craddock and Joshua Epps and Amy Simpson were an incredible team they did things I did not believe were possible and made it work. It was an absolute blessing having Keith as my Rate.com agent. We were able to purchase a beachfront condo in Myrtle Beach from all the way in California. They stayed in contact with us constantly through the process and made it seem relatively easy. My wife and I will definitely be using Keith again in the future and would not hesitate at all to recommend this company to anyone. My wife and I cannot thank Joshua Epps and Keith Craddock and Amy Simpson enough! Thank you again for making our retirement dream possible.

Service was excellent from start to finish!

Professional and personable team

No written review

Best financing deal we have ever done.

No written review

Kept informed through process

Easy to work with and on top of making sure we got everything needed done

Just smooth.

Feb 15, 2026

Awesome ex̌perience with Josh and the whole team. Everything was easy and as long as you completed your tasks it was simple. I have had many houses in the past and this experience was the easiest that I have ever had. Thanks to Josh and the team for an awesome experience.

Feb 12, 2026

Keith, Joshua, and Suzanne were great to work with. I loved how seamlessly the process proceeded, and when I showed up for the closing, I just had to initial and sign. I also appreciated the great communication and quick responses. Highly recommend for financing a home!

Feb 10, 2026

We've had the opportunity to work with Joshua on a recent closing and he was great to work with. Kept us updated throughout the process and is very professional, courteous and a true pleasure to work with. Highly recommend!

Feb 5, 2026

Josh Epps and his team at Rate were the absolute best. I have purchased many homes and have had clients purchase homes and Josh and his team were very informative, the customer service was excellent and the way they worked with us was outstanding. I would highly recommend Josh and his team.

The entire rate team worked together making all facets of the mortgage process seamless.

They truly helped make the process smooth for us coming from another state 16hrs away. Answered any and all questions. Keith went above and beyond.

Communication was always prompt, all questions answered, and step by step process on our first ever home purchase about what to expect.

Jan 14, 2026

Communication was always prompt. All questions from being a first time buyer put everything at ease and walked us through every step of the way. Keith and Josh are amazing.

Dec 4, 2025

It was a absolute blessing having Keith as my Rate.com agent. He was so helpful in guiding us thru the process of being out of state but wanting a house in the south. When I thought it wasn't possible Keith made it happened and helped us figure out the best loan options. Extremely knowledgeable. I would not hesitate at all to recommend this company to anyone, family, friends looking to purchase a home. Can't thank Joshua Epps and Keith Craddock enough! Thanks for making our dream possible.

Nov 21, 2025

Josh Epps, Kieth, and Suzanne took the stress out of home buying. Fast closing and great rate. Thank you for helping us get into our forever home!

Nov 11, 2025

Josh and Keith have exceeded any and all expectations of my entire loan process. Any call or text was always returned promptly and in complete detail. I've worked with many lenders in the past and Josh, Keith and their staff are by far the most professional and knowledgeable in the business. If you're looking for an amazing lender who will take care of you completely from the start of the process to closing you won't have to look further, the Rate team is your golden find!

They were very transparent and straight forward.

Josh was awesome

They have many different programs to help you get a non conventional mortgage and VERY easy to work with

Sep 23, 2025

Joshua & Keith made the process of buying a home as seamless and stress free as possible. Thanks to this dynamic duo I am enjoying my new home.

Aug 23, 2025

From start to finish Gauranteed Rate was funominal. The #'s they give you for your down payment and your mortgage amount is exactly what you pay. Thank you Joshua, Keith and Suzanne for all your help. Excellent team work...

good service/ process

Aug 4, 2025

Josh and Keith were amazing. I never had any worries, and they took care of all issues and then some. I would call concerned, and they always put my mind at ease. Awesome team to work with!!!!

Aug 2, 2025

This is my second home purchased with Rate. Josh and Keith are great to work with. I highly recommend there company if you looking for a mortgage

Josh Epps and team was great