Josh grew up in east Tennessee and has been a resident of Hoover, AL since 2011. He grew up playing baseball and golf, and enjoys coaching his son's little league teams as well as golfing anytime the opportunity presents itself. He actually has 3 hole-in-ones in his collection, amongst many other golf stories and memories. Josh and wife Emily have two children that are the light of their lives.


He is an 18+ year veteran of the mortgage industry and brings unique expertise in finding the right mortgage based on his client's individual needs. He is an expert with self-employed clients and has thorough knowledge and experience in understanding tax returns, self-employed income calculations, and self-employed underwriting guidelines. My experience and knowledge of the industry allows me to tailor each loan to meet the specific needs of each individual. Everyone's story is different, so no one loan will meet everyone's needs. My job is to find that perfect fit.


Buying a home can be one of the most important investments that we make. I am dedicated to making the process a positive and rewarding experience for you, and I welcome the opportunity to earn your business and your trust. Take the next step toward financing your home by clicking the "Apply Now" button now! You can also give me a call or send me an email to schedule some time to chat. I look forward to helping you finance your home!

Producing Branch Manager

Josh Hefty is your Hoover local lender. As a loan officer at Certainty Home Lending, Josh is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Josh at (205) 208-1423 for more information!

Josh Hefty at Certainty Home Lending (NMLS #142078)

Hoover

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            <address>Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: <a class="certainty-link" href="https://www.nmlsconsumeraccess.org" target="_blank">www.nmlsconsumeraccess.org</a></address>
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            Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955
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            <em>This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.</em>
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            <em>This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.</em>
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1 Loan Officer in Hoover, AL