Home Buying Made Simple

• Clear Steps
• Real Accountability
• Local Expertise Territory: Salt Lake City, Ogden, Clearfield, Layton, Brigham City, Tremonton, Pleasant View, Farr West, Plain City, and Willard
  
  Who I Help
• First-time buyers – Build savings, strengthen credit, and secure pre-approval
• Credit-focused buyers – Improve DTI and credit mix (no hard pulls)
• Self-employed buyers – Organize lender-ready documentation and income proof
• Move-up / sell-to-buy clients – Plan your transition and avoid double moves
• Budget-conscious buyers – Create a sustainable monthly payment plan

Why Work With Josh

• Licensed Realtor + Financial coach for full clarity
• Northern Utah Market Expertise
• Weekly Check-ins and Structured Action Plans
• Lender-ready prep (use your own lender if you prefer)
• Education-first, Transparent approach

Book a Free Readiness Call NOW
by filling out the form below!

FAQ

Are you an investment advisor?
No. I’m not an investment adviser and I do not provide investment advice or securities recommendations. My services focus on financial coaching for home purchase readiness and real estate representation.
Will this affect my credit?
Coaching uses your documentation and soft data; lender pre‑approval requires a hard pull.
Are you a lender?
No. I provide financial coaching and real estate representation and collaborate with your preferred lender.
How long to get mortgage‑ready?
Many clients are ready in 30–90 days depending on credit, DTI, and savings.
Do I need 20% down?
Not necessarily. Options exist from 0–5% down depending on eligibility and loan type.
Do you work with self‑employed buyers or VA/FHA?
Yes—let’s review your scenario on the call.
How are you compensated?
Coaching is fee‑based; real estate representation is typically compensated via brokerage commissions. Details provided upfront.
Compliance & Disclosures

REALTOR® • Equity Real Estate • Utah License #12947856-SA00 • Equal Housing Opportunity