


Josh Costales
Mortgage Specialist
As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.
See my video
Recent reviews
What people are saying
"I'd liked how they reached out to me regarding missing documents and the electronic process."
Ginny W. - Ellenwood GA | Apr 2022
"The team was extremely helpful, responsive, and knowledgeable. As first time home buyers we are thankful for all the help we received, especially from Josh, Clarence, David, LaRose, and Zac. Thank you!"
Michael B. - Braintree MA | Apr 2022
"Awesome service. I was kept apprised with every step of the process. Very smooth process. Very nice employees."
Richard H. - Johnson City TN | Feb 2022
"Everyone was helpful and kept us informed."
Jared T. - Chicago IL | Feb 2022
"Excellent customer service made Guaranteed Rate stand out amongst other lenders I spoke to. Even though other lenders offered the same exact rate and credits, I chose to work with Rate because of Josh Costales' positive approach. Other plusses : quick responses to emails; everyone in the team was helpful with answering questions and making sure the entire process was smooth. Online portal to upload documents could be a little more user friendly."
Sai Sruthi V. - Southgate MI | Jan 2022
A HELOC with a fixed rate you can count on.
Our Home Equity Line of Credit (HELOC) can help you fund home improvements & consolidate debt.