“Josh and Jessica at Rate are truly best-in-class mortgage professionals. ... Buying and selling a home can be complex and stressful, but they consistently brought clarity [and] confidence.”
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 & Jessica explained the process & seamlessly guided my wife & I... from the beginning to closing, through the entire process. We HIGHLY recommend them & their team!”
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!
“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 hassle-free.”
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, which built trust.”
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.
“Incredible customer service from start to finish. They are experts in their field, and do not shy away from the challenge of solving complex problems and loan conditions.”
A+++++ team. Can't praise Josh and his Guaranteed Rate team enough, but I will make an earnest effort. To start, excellent communicators all around; they field calls/emails any time, any day. Incredible customer service from start to finish. They love helping their customers and it shows. They are experts in their field, and do not shy away from the challenge of solving complex problems and loan conditions. Extremely grateful for the introduction from my realtor (shout out to Tyler Siperko with Compass DC), who I asked to make the connection on a Friday night. Josh was able to get us pre-approved before brunch started on Saturday, and we were able to place a bid right at the finish line on Saturday. Fortunately, our bid was accepted, and we moved into contract negotitions, where Josh and his team provided incredible negotiation and contract support throughout. He gave us great options for rate-locking and was able to move fast and efficiently with third party due diligence needs. Their in-house attorneys and insurance brokers are also incredible to work with, and very experienced. Amazingly efficient organization all around. Truly grateful was able to connect with Josh and his entire GR team to land a unique opportunity to borrow for a very special investment opportunity.
“We ran into a snag with our initial lender and was forced to find a new lender. [This] team was able to quickly pull together for us and we got the loan ready... 7 DAY CLOSING!!!!”
If you need a mortgage, look no further than this team!
Recently had the pleasure of working with Josh and the Friedson team. A truly amazing group of hardworking people.
We were under contract for a property with 8 days to go before closing. We ran into a snag with our initial lender and was forced to find a new lender. Our realtor recommended Josh and his team as backup. They were able to quickly pull together for us and we got the loan ready in time for closing. 7 DAY CLOSING!!!!
This team really pushed through for my family. They worked tirelessly to get us cleared with underwriting, working late into the night, and following up in a respectful manner to get all the documents situated. They even got an appraisal rushed, in and out with 4 days.
If you have a mortgage need, I highly recommend this team. They will have your best interest at heart and put you first above everything else.
“They took the time to walk through every question I had and made me feel confident in biggest transaction of my life. [They] treated me like family...”
Josh Friedson and Jessica Bowen made my home purchase a reality. They took the time to walk through every question I had and made me feel confident in biggest transaction of my life. Josh and Jessica treated me like family, and I cannot wait for them to help my friends and family purchase homes too!
“They were able to offer me a rate almost a full point less than another lender. The team was hands on from the beginning and came through with every promise they made.”
Josh, Jessica and the rest of the team are all-stars. They were able to offer me a rate almost a full point less than another lender. The team was hands on from the beginning and came through with every promise they made. I don't believe the sellers would have accepted my offer without Josh and his team being able to close is just 11 days. They'll be the first call on the next project.
“They were able to provide the best rate and exactly the terms I needed. Josh was incredibly personable and I feel like it was more of a relationship that was built.”
This is the second time that I have used Guaranteed Rate. The process is easy and I felt like I was informed about everything every step of the way. I felt comfortable trusting the team and they did not disappoint. They were able to provide the best rate and exactly the terms I needed for a mortgage. Josh was incredibly personable and I feel like it was more of a relationship that was built rather than a transaction that was performed.
“I’ve been working with Josh Friedson and his mortgage team at Rate for over 15 years, and I wouldn’t trust anyone else with my real estate financing needs.”
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!
“They went above and beyond to make our experience seamless, stress free, and tailored to our individual needs.”
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 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!”
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.”
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.
“They dealt with all the administrative challenges, making the mortgage element frictionless and helping us secure our target home in a competitive market.”
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 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.”
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.”
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.”
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 is exceptionally responsive, professional and excellent. [W]e had a phone call Friday evening and approval and pre-approval letter by Saturday afternoon. Just exceptional speed.”
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’s responsiveness was absolutely amazing. He is knowledgeable, reliable, and customer service oriented to a fault. We would never ever consider using anyone else.”
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
“From the time that I contacted Josh to the day we closed... [i]t was fast, painless and the best loan experience in 60 years. Josh and his team are fantastic.”
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, helpful, and responsive. As first-time homebuyers, Josh held our hands through the entire process.”
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 did a fantastic job! He guided us through the process with ease and confidence, was incredibly responsive, and his expert guidance allowed us to close quickly.”
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 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.”
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.”
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.
NNobel Z.
“Incredible customer service and attention to detail empowered us to deliver a competitive offer on our home and a quick closing. Cannot recommend him enough!”
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.
“Josh Friedson and Jessica Bowen made my home purchase a reality. They took the time to walk through every question I had and made me feel confident in biggest transaction of my life.”
Josh Friedson and Jessica Bowen made my home purchase a reality. They took the time to walk through every question I had and made me feel confident in biggest transaction of my life. Josh and Jessica treated me like family and I cannot wait for them to help my friends and family purchase homes too!
JJoshua E.
“Working closely with him has been a game-changer. If you’re seeking a lender who combines precision, creativity, and a commitment to closing deals efficiently, he is the ideal choice.”
I enthusiastically recommend Josh as a lender for anyone navigating the real estate landscape. Working closely with him has been a game-changer for our clients and our business.
Josh’s exceptional attention to detail is a standout quality. He goes beyond the standard approach, creating a tailored experience for each client based on their unique financial situation. His ability to devise creative and customized products has not only met but exceeded our clients’ expectations.
One of Josh’s remarkable strengths is his swift and efficient ability to get deals closed. In the fast-paced real estate environment, his ability to meet deadlines promptly has been a significant asset. Whether it’s new construction, a complex financial situation, or a standard transaction, Josh’s expertise shines through.
If you’re seeking a lender who combines precision, creativity, and a commitment to closing deals efficiently, Josh is the ideal choice. His professional demeanor and genuine care for clients make him an invaluable partner in the real estate journey. Choosing Josh means choosing a smoother, more tailored, and ultimately successful real estate experience.
“Josh, Jessica & everyone at Guaranteed Rate have been extremely professional and helpful. ... [A] great group of people! Josh is a genuine, great guy who knows this business inside and out.”
Josh, Jessica & everyone at Guaranteed Rate have been extremely professional and helpful from the beginning of the process for us. Every question was answered, some before we thought of the question ourselves!
Very thorough, trustworthy, truly such a great group of people!
Now that we have completed our settlement, I’ll miss our fun conversations with Josh, what a genuine, great guy who knows this business inside and out, and will guide you comfortably throughout.
Highly recommended !!
“I have been working with Josh since 2010 and he's amazing, very thorough, super helpful and always available to answer any concerns I have. Highly recommend him and his team.”
I have been working with Josh Friedson since 2010 and he's amazing, very thorough, super helpful and always available to answer any concerns I have.
Highly recommend Josh Friedson and his team.
“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.”
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, Jessica and everyone else at Guaranteed Rate have been extremely professional and helpful from the beginning of the process for us.”
Josh, Jessica and everyone else at Guaranteed Rate have been extremely professional and helpful from the beginning of the process for us. Every question was answered, some before we thought of the question ourselves! Such a great group of people!!
AAmy M.
“My clients and myself were impressed with his level of service and communication. Josh was prompt replying via phone, email or text message. Would recommend him...”
Josh was excellent to work with! My clients and myself were impressed with his level of service and communication. Josh was prompt replying via phone, email or text message. Would recommend him for your clients or your personal deals.
“Josh and his team (Jess and Brie) were fantastic to work with. They truly went above and beyond to make sure that I was taken care of... I cannot thank them enough for all the support!”
Josh and his team (Jess and Brie) were fantastic to work with. They truly went above and beyond to make sure that I was taken care of. Whenever things came up, he would be the first to let me know and how to go about it if there were any actions that needed to be addressed. I cannot thank him and his team enough for all the support!
“Josh is a consummate professional and an overall great guy. Would highly recommend working with him and his 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.”
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 Jessica are an amazing team! They will stay on top of every detail and give you really good insight.... They have the best customer service and they’ll get your loan done super fast.”
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.
“Josh Friedson and his team went above and beyond to make our process as seamless as possible end to end.”
Josh Friedson and his team went above and beyond to make our process as seamless as possible end to end. They were in constant contact with us making sure we understood the asks every step of the way.
JJoao T.
“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!”
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.
“Josh and Jessica have been an absolute pleasure to work with. They’re both knowledgeable, efficient, and truly care about making sure we receive the best deals possible.”
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.
“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.”
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.
“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.”
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!
“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 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 has been extremely engaged throughout the whole loan process and we have always felt like he is available for any of our questions.”
Josh has been extremely engaged throughout the whole loan process and we have always felt like he is available for any of our questions. The rest of the team has worked hard to respond to any of our concerns and the combination of loan processing and combined insurance options was very helpful as well.
TThomas S.
“Josh, Jessica, and Sharon walked me through the process as a first time homebuyer. They were very nice and patient with me”
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.
KKyra Q.
“Josh and team were phenomenal - not just really quick, but understood we needed to close quickly … It really reflected his wanting to be a partner for life”
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.
BBrian G.
“very easy to work with and excellent response time with questions”
very easy to work with and excellent response time with questions
