MortgageDadof3 NMLS #190260

MortgageDadof3 NMLS #190260 Joshua Dobson, NMLS # 190260
Text or call (209) 975-4989
Email me at [email protected] I don't stop helping once they get their keys.

Hello, I'm Josh aka MortgageDadof3
I've been doing this mortgage thing for over 20 years. Straight out of college, after obtaining my Bachelors in Economics and Political Science from the University of California - San Diego, I started working with my family in the business and I haven't stopped. I am a husband and the father of three beautiful daughters with 3 crazy dogs and a cat. I enjoy helping those who don't normally have someone champion their homeownership dreams. I build long lasting relationships with my family of home owners and future home owners. I am their go-to person for life when it comes to home financing. I find balance on the soccer field watching my daughters play at a competition level and help coach a couple of their teams. My oldest daughter just started playing comp volleyball so our schedules are crazy. My girls and my wife are the reason I hustle everyday to do what I can to make homeownership possible. Joshua Dobson | NMLS #190260 |

All Rights Reserved. (209) 988-9284 NMLS #190260 www.nmlsconsumeraccess.org
This advertisement does not constitute a loan approval or loan commitment. Loan Approval and/or loan commitment is subject to final underwriting review and approval.

09/24/2026

Buying the house is only the beginning.

These 3 moves can make homeownership a whole lot easier:

🏠 Create a separate email for your house
đź’° Build a repair/maintenance fund
🛡️ Protect your family with term life insurance

Save this for closing day — future you will be glad you did.

Follow me for more homebuying + homeownership tips.

09/22/2026

Think you need thousands of dollars sitting in your bank account before you can buy your first home?

You might not. đź‘€

I just helped a couple who were ready to buy their first home—but their down payment was the thing holding them back.

Here are 4 types of down payment assistance you should know about:

🏠 Forgivable assistance — may be forgiven after meeting certain requirements, often with no monthly payment.

🏠 Second mortgage assistance — helps with your upfront costs, but typically comes with payments that eventually need to be paid back.

🏠 Deferred 0% loans — no monthly payment, but the balance may become due when you sell, refinance, or otherwise trigger repayment.

🏠 Down payment assistance grants — some programs provide funds that don’t require repayment, but don’t assume every “grant” is completely free. Some can still involve a lien or other requirements.

And here’s the part most people don’t realize:

Some DPA programs don’t require you to be a first-time homebuyer. Some may not have income limits either.

The right program depends on your state, income, credit, property, and loan scenario.

👇 Comment DPA and I’ll point you toward the programs you may qualify for.

And if you’re planning to buy your first home, follow me. I break down the mortgage stuff nobody explained before you started house hunting.

Save this—you’ll want it when you’re ready to buy.

09/21/2026

Rates didn’t steal your chance to buy a home. You just need a better strategy.

Credit + budget.
The right loan programs.
Down payment assistance.
Buydowns and other rate strategies.

You don’t have to be perfect. You need a plan.

👇 COMMENT READY and I’ll send you my step-by-step checklist and help you figure out your path to homeownership.

Follow me for mortgage strategies that go beyond the rate headline.

09/17/2026

🚨 You might be closer to buying a home than you think.

FHA loans can allow 3.5% down with flexible qualifying guidelines—so 20% down isn’t the requirement many first-time buyers think it is.

💬 Comment “FHA” and follow me for more mortgage tips that could help you get into your first home.

09/15/2026

Budgeting for your mortgage payment and knowing what it should be is paramount before shopping for a home…

If your lender says you are qualified to buy a home for $400,000… don’t take that as the final answer…

Ask what is my total payment? You then check to see if that matches your comfort level and budget…

Ask about the interest rate and what happens to the payment if rates rise???

The more you know the better prepared you are…

Here is an example of what I’m talking about…
If you make $60,000 a year and your partner who will be a co-borrower on the loan makes $48,000 a year

60,000/12 =5,000
48,000/12 =4,000

5,000+4,000 =9,000
9,000 x .28 =2,520

Follow me for more homebuyer and homeownership help.

Comment “budget” and let’s talk about your homebuying plan.

09/14/2026

DON’T JUST NEGOTIATE THE PRICE.
NEGOTIATE THE PAYMENT.

Comment READY ↓

Most buyers think the goal is to negotiate the lowest price.

I think you should be negotiating for the lowest payment.

If I were buying today and had 20%+ available, I wouldn’t automatically put it all into the house.

I’d seriously consider putting less down and using the difference to:
→ Permanently buy down my interest rate
→ Reduce or eliminate mortgage insurance
→ Keep more cash available after closing

And if I only had 3–5% down?

That’s when I’d be looking closely at seller concessions.

Instead of asking the seller to drop the price $20,000, I’d ask what a $20,000 seller credit could do for my payment.

Because a lower purchase price doesn’t always move the payment nearly as much as people think.

A strategically used seller credit can potentially do a LOT more.

The key is knowing the rules for your loan program and having a plan for the credit BEFORE you negotiate.

Your agent negotiates the credit.

But you should know what you’re asking for and why.

If you’re buying your first home and want me to run the numbers on your situation, comment READY and I’ll show you what the options could look like.

And follow me—I’m going to keep breaking down the stuff most buyers don’t find out until they’re already under contract.

Address

Modesto, CA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12099754989

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