Meet Josh Luzzi:
YOUR TRUSTED MORTGAGE GUIDE
Discover how Josh Luzzi, the Home Loan Hero, is dedicated to simplifying the mortgage process for homebuyers and investors alike.
Josh Luzzi
Josh Luzzi is an experienced mortgage banker who is passionate about helping clients achieve their homeownership and real estate investment goals with confidence and clarity. Well-versed in a wide range of loan products—including VA, FHA, Conventional, DSCR, Renovation, and Bank Statement programs—Josh brings a deep understanding of the mortgage landscape and tailors each solution to fit the unique needs of his clients.
Every borrower receives white glove service, with a personalized approach that keeps long-term goals at the forefront. Josh’s proven process ensures every loan is handled with care, precision, and direct communication—eliminating stress and creating a seamless experience from application to closing.
Beyond financing, Josh offers access to an extensive network of real estate professionals, contractors, insurance agents, and other trusted partners to support every step of the homeownership journey. Whether you’re buying your first home, upgrading, investing, or refinancing, Josh is dedicated to making your experience enjoyable, strategic, and successful.
Professional Journey
2024 - PRESENT
Executive Mortgage Banker
Novus Home Mortgage
At Novus Home Mortgage, Josh excels in providing tailored mortgage solutions, leading a team of mortgage professionals, and consistently getting his clients to the closing table smoothly. His innovative approach and client-first mindset sets standards in the industry.
2022 – 2024
Mortgage Broker
Gateway Mortgage – UMortgage
Josh’s early success in the mortgage industry inspired him to explore the broker side of the business, where he sharpened his negotiation skills, expanded his network of lending partners, and deepened his expertise in mortgage processing. This hands-on experience strengthened his capabilities as a Mortgage Loan Originator and enhanced his ability to navigate even the most complex scenarios with ease.
2021 – 2022
Mortgage Loan Officer
Northpointe Bank – NFM Lending
During his tenure at Northpointe Bank & NFM Lending, Josh honed his skills in mortgage consulting, specializing in VA Loans, First-time homebuyer programs and investment property financing. His ability to simplify complex processes earned him a reputation for excellence.
2020 - 2021
Junior Mortgage Loan Originator
Crosscountry Mortgage
Josh began his career at Crosscountry Mortgage, where he quickly became a licensed mortgage loan originator by demonstrating exceptional client service and a keen understanding of financial products. His early success laid the foundation for his future achievements.
Our Services
First-Time Homebuyer Assistance
Josh provides expert guidance for first-time homebuyers, ensuring a smooth and informed journey to homeownership.
Investment Property Loans
Specializing in investment property financing, Josh helps clients maximize their real estate investment potential.
Home Renovation Financing
Whether upgrading or downsizing, Josh offers tailored mortgage solutions to fit your changing lifestyle needs.
Refinancing Solutions
Josh assists clients in refinancing their mortgages to achieve better rates and terms, saving money over the loan’s life.
Meet Our Team
Christopher Galli
Branch Manager
Joshua Luzzi
Executive Mortgage Banker
Mary Bare
Client Relations & Processor
What Our Clients Say
“Josh made our first home buying experience seamless and stress-free. His expertise and patience were invaluable.”
Sarah and Tom H.
“Thanks to Josh, we secured an excellent rate on our investment property. His knowledge is unmatched!”
David R.
Ready to Begin Your Home Loan Journey?
Whether you’re a first-time homebuyer or looking to refinance, Josh Luzzi is here to guide you through every step of the mortgage process. With years of experience and a commitment to excellence, Josh is dedicated to making your home loan experience smooth and stress-free. Reach out today to learn more or start your application.