About Josh Racicot
As an experienced Mortgage Loan Officer serving Southeastern Massachusetts, **Josh Racicot** is passionate about helping first-time homebuyers, growing families searching for their forever home, and homeowners looking to downsize achieve their homeownership goals. Based in Dartmouth, MA, Josh provides personalized guidance throughout every stage of the mortgage process—from pre-approval to closing—ensuring a smooth and stress-free experience for his clients. With more than 15 years of experience in the mortgage industry, Josh has held a variety of roles, including Vice President, Loan Officer, Operations Manager, and Processor. This diverse background has given him a deep understanding of the lending process and the ability to confidently navigate a wide range of financing scenarios. Josh specializes in programs such as MassHousing, including down payment assistance options, as well as FHA, VA, and conventional loan products. Believing that homeownership is a team effort, Josh works closely with local real estate agents and industry professionals throughout the South Coast region to help clients make informed decisions and move confidently toward achieving their homeownership goals. Josh earned his Bachelor's degree in Liberal Arts from the University of Massachusetts Dartmouth. Outside of work, he enjoys spending time at the beautiful South Coast beaches, playing golf, and staying active through racquetball at the local YMCA. For those looking for a trusted local mortgage expert committed to helping them reach their goals, Josh is dedicated to making the homeownership journey a successful one. Whether purchasing a home in Dartmouth, New Bedford, Fairhaven, Mattapoisett, Westport, Plymouth, or Cape Cod, Josh is here to help clients take the next step toward homeownership.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 469 Angell St, Suite 1 Providence RI, 02906
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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