Mortgage Advisor

Josh Jones

Mortgage Advisor NMLS# 1892207 Licensed in AL, GA and TN

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(423)310-8042 (615) 234-1142 josh.jones@preferredrate.com

2055 N. Mount Juliet Rd., Suite 100
Mount Juliet, TN 37122
Branch License #2118991

About Josh Jones

Your mortgage is personal, and I understand that.

When you come to me for your mortgage, I begin by listening. I want to understand your goals and priorities so I can offer a home loan that's right for you. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. I offer a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual and my recommendations will respect your unique circumstances. Communication is key, and sharing information is as important as listening. I will make sure you know what's happening with your mortgage as it progresses through the process and will be available to answer your questions. I'll be with you every step of the way, from application to closing and beyond. Whether you are buying, refinancing, or renovating, I am ready to give you the outstanding home loan experience you deserve.

Read More See my reviews
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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans

See what Josh's clients have to say

Ryan J

Josh has been not only a great help throughout our home buying process, but a great friend, as well. When you are buying a house there are so many things to factor in, and when you have someone on your side that truly wants the best for you it makes it much, much smoother. Josh wants to help you reach your goals in the home buying process, but also genuinely cares about you and your family. There is no one else that I’d recommend more than Josh, and I mean that with sincerity. Thank you for everything, Josh! ... Read More

Sep 14, 2022

Logan B

Thanks Josh for helping us buy our first home. We had some interruptions in the closing process but Josh was great staying in communication with us the whole way. Would work with him in the future!

Aug 26, 2022

Jordan C

Josh was extremely helpful in our first home buying experience. He was able to Guide us to the solution that best fit our needs. He was calling and checking in on us and answering any questions we had. Will definitely use Josh again for another Home purchase. ... Read More

Aug 24, 2022

Taylor S

Josh was so friendly, helpful and efficient during our lending process! He went out of his way to answer any of our questions and had everything ready at a short notice. We are very appreciative and could not have gotten our house without him! ... Read More

Aug 24, 2022

Nick M

Buying a first home is incredibly stressful, and for someone without a financial background securing a mortgage is the most confusing part. Josh was able to boil down all the rates and acronyms into logical information we needed to make the right decision. Josh went out of his way to make sure we got the best available loan at the lowest possible rate. I recommend him and his team to anyone in the market for a mortgage. Thank you Josh and preferred rate for everything!! ... Read More

Aug 23, 2022

nick M

Buying a first home is incredibly stressful, and for someone without a financial background securing a mortgage is the most confusing part. Josh was able to boil down all the rates and acronyms into logical information we needed to make the right decision. Josh went out of his way to make sure we got the best available loan at the lowest possible rate. I recommend him and his team to anyone in the market for a mortgage. ... Read More

Aug 23, 2022

Elena T

To anyone who is shopping around looking for the right mortgage company to work with: I 100% recommend working with Preferred Rate. They are exceptionally professional and great with their follow up. I worked with Josh Jones on the purchase of my house, and the direction and communication I received from start to finish from him was stupendous. He came from a place of service always, and I knew that he was truly working for me (a very rare trait these days in business and the world in general) 5 stars all the way 👏🏻 ... Read More

Jul 19, 2022

Macey N

Thank you for all the help and checking in through the process! Appreciate the presentation reviewing my options. Voicemails are helpful… thanks again! :)

Jul 14, 2022

Macey N

Thanks so much for the help and walking through my options.

Jul 14, 2022

equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ Corp BK 1014819. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV