Josh Hereau - NMLS 223785

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Josh Hereau - NMLS 223785 I am a Mortgage Advisor with Aspire Mortgage Advisors NMMS 223785 AZ: Mortgage Banker License #0946492 Guaranteed Rate Affinity NMLS 1598647 1800 W.

I have 20+ years of solid industry experience specializing in helping people with life's biggest purchase and refinance during the term of home ownership. Larchmont Ave., Chicago, IL 60613 (866) 934-7283 • grarate.com
Equal Housing Lender
For licensing information, go to www.nmlsconsumeraccess.org http://www.grarate.com/licensing
https://www.grarate.com/texas-consumers-how-to-file-complaint

Congratulations to David Goldberg for achieving this incredible milestone. Welcome to the Centurion Club!
09/25/2026

Congratulations to David Goldberg for achieving this incredible milestone. Welcome to the Centurion Club!

09/25/2026

Hear from one of our top Loan Officers, Jon Goldman, as he shares what one of our core values, “We Grow for Good,” means to him.

We’re committed to the belief that the more we grow, the more good we can do. Growing for good goes beyond charitable giving. It’s about communicating, showing up and being a support system for those who need it.
So, when we say we truly grow for good, we mean it.

Hear from one of our top Loan Officers, Jon Goldman, as he shares what one of our core values, “We Grow for Good,” means to him.
We’re committed to the belief that the more we grow, the more good we can do. Growing for good goes beyond charitable giving. It’s about communicating, showing up and being a support system for those who need it.
So, when we say we truly grow for good, we mean it.


09/24/2026

Hear from Aaron Wise on what makes Guaranteed Rate Affinity the best of the best. For him, the leadership team is unmatched, hands-down. They’re constantly pushing the envelope as far as trying to make every loan officer and the entire company better, quicker and more efficient. Curious what it’s really like to be part of the team? Hear it straight from Aaron and discover what sets Guaranteed Rate Affinity apart.

09/23/2026

If buying is on your radar, this week is less about waiting for one perfect headline and more about knowing what works now. Mortgage rates remain elevated heading into Wednesday’s Fed meeting, where the message could quickly change the tone. Ask a Loan Officer what today’s rates could mean for your payment and purchase plan.

09/22/2026

Hear from Matt Cope on why Guaranteed Rate Affinity is the perfect fit for him. With top-tier technology, dedicated production support and the resources to help our loan officers succeed, Matt has been able to grow his business while creating an incredible work-life balance. Curious what it’s really like to be part of the team? Hear it straight from Matt and discover what sets Guaranteed Rate Affinity apart.

Congratulations to Jennifer Muraco for achieving this incredible milestone. Welcome to the Centurion Club!
09/21/2026

Congratulations to Jennifer Muraco for achieving this incredible milestone. Welcome to the Centurion Club!

Every September, National Mortgage Professional Month recognizes the professionals who play a role in helping people fin...
09/21/2026

Every September, National Mortgage Professional Month recognizes the professionals who play a role in helping people finance the home of their dreams. This week we want to spotlight a few of our incredible Front-End Processors who have impacted their customers and helped them pursue homeownership.

Congratulations to Ryan Rosplock for achieving this incredible milestone. Welcome to the Centurion Club!
09/18/2026

Congratulations to Ryan Rosplock for achieving this incredible milestone. Welcome to the Centurion Club!

It looks like affordability is finally starting to show some signs of improvement this fall.Mortgage rates have come dow...
10/17/2025

It looks like affordability is finally starting to show some signs of improvement this fall.

Mortgage rates have come down lately. Home price growth has slowed. And wages are rising.

Together, those 3 changes mean the typical monthly payment is now $290 lower than it was just a few months ago.

That shift has already helped some buyers jump back into the market.

Curious if the numbers work for your budget now? Let’s take another look.

79% of homeowners surveyed regret waiting to sell.If you’ve been holding off, take this as your sign.Don’t let “I wish I...
10/14/2025

79% of homeowners surveyed regret waiting to sell.

If you’ve been holding off, take this as your sign.

Don’t let “I wish I sold sooner” become part of your story.

Did you know? A record 40% of U.S. homeowners now own their homes free and clear. That’s the highest share ever recorded...
10/10/2025

Did you know? A record 40% of U.S. homeowners now own their homes free and clear. That’s the highest share ever recorded.

And that’s an important stat if you’re considering downsizing.

Think about it. If you’ve been in your house for a long time, you may be able to sell and buy your next home in cash.

You could get a smaller, less expensive home that better fits your lifestyle today with lower bills, less upkeep, and no new mortgage in retirement.

Want to find out if this could be a possibility for you too? DM me.

10/07/2025

I get asked a lot about the specific numbers in a loan as the rates and market shifts. Well here is how I go about it.

Saving to buy a home? Don’t forget your closing costs.They’re not the same everywhere. In some states they average rough...
10/06/2025

Saving to buy a home? Don’t forget your closing costs.

They’re not the same everywhere. In some states they average roughly $2-3K. In others, nearly $20K.

This map shows the state averages. Use it as a ballpark for your budget, but be sure to work with a local agent and lender to get your real number before you start shopping. Because it depends on taxes where you live, the home’s price, and more.

DM me if you want an estimate on what you can expect to pay in our area. Or, if you’re looking for tips on how to bring that number down.

Want to know the real reason you don’t need to be worried we’re building too many homes right now? This is it.No matter ...
09/12/2025

Want to know the real reason you don’t need to be worried we’re building too many homes right now? This is it.

No matter what you’re seeing online about the number of new homes for sale, nationally we just don’t have the same surplus of inventory we had back in the crash of 2008. And this graph proves it.

If you combine how many homes we’ve built lately with all the existing homes for sale (those that have already been lived in by a previous owner), we’re still nowhere near crash territory.

Of course, inventory is going to vary by area. But nationally, we don’t have enough new homes to crash the market.

So, don’t believe everything you read or hear. If you need help cutting through the noise, let’s talk.

If your house isn’t getting offers you’re comfortable with, you may be thinking: maybe I’ll just rent it instead.And the...
09/09/2025

If your house isn’t getting offers you’re comfortable with, you may be thinking: maybe I’ll just rent it instead.

And the truth is, a growing number of homeowners are making that choice right now. They’re called “accidental landlords.”

But here’s the thing you need to remember before you go that route, too. There’s probably a reason renting your home wasn’t the original plan.

Because renting often isn’t as easy as it sounds. Not every house makes a good rental. Plus, it comes with a lot more responsibility (and risk) than most people expect, like extra expenses, repairs, and the stress of being on call 24/7.

Make sure to carefully weigh the pros and cons before you decide what to do. For some homeowners, it may not be worth it.

You may have seen headlines about foreclosures rising, but here’s the truth. Foreclosure headlines sound scary, but the ...
09/06/2025

You may have seen headlines about foreclosures rising, but here’s the truth. Foreclosure headlines sound scary, but the data tells a calmer story. Yes, FHA loans are showing more late payments than normal, but delinquencies across all other loan types remain stable. And since FHA loans are only about 12% of mortgages nationwide, this isn’t the start of a new crisis. Of course, no one wants to see anyone face the challenges of foreclosure. But the big picture: there isn't a big wave of foreclosures coming, and the broader market looks nothing like 2008.

If you’ve owned your home for a while, you probably have some serious equity. Right now, over two-thirds of homeowners h...
09/05/2025

If you’ve owned your home for a while, you probably have some serious equity. Right now, over two-thirds of homeowners have either paid off their mortgage entirely or have at least 50% equity. That’s a powerful position to be in. Because that much equity gives you a strong financial cushion and an asset you can use to fund your long-term goals. If you're thinking about moving, downsizing, or just curious what your home’s really worth, DM me and I’ll give you a personalized estimate, because your equity might be able to get you there sooner rather than later.

08/29/2025

Homeowners, this is the golden ticket you've been looking for. DM me now

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Dallas, TX

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+19722028608

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