skip to main content

Web Accessibility Statement

Good faith efforts have been made to ensure that our site complies with Federal and New York state standards on website accessibility and with Web Content Accessibility Guidelines 2.0, set forth by the World Wide Web Consortium to the best of our technical ability. If you are unable to access any pages on our site, please contact us toll free at 800-447-3386 or with information on the portions of the website that are inaccessible to you. Please provide your name, telephone number, and email address so that we may contact you to provide our information in another format.

Sierra Pacific Mortgage Company Inc. NMLS #1788 Toll Free 800-447-3386
Josh Howard

Josh Howard

Loan Officer
Follow Me
About Josh

Integrity is the cornerstone of my business. I believe a mortgage should be about building relationships and helping my customers achieve their home financing goals; it’s not just a transaction.

As your confident mortgage professional, I take a consultative approach to the home loan process by customizing each home financing solution for my customer. It’s important to me to tailor mortgages to my customers’ unique financial needs.

Whether you are purchasing your dream home, refinancing your current residence, or investing in additional property, I can help you find the right loan program for you. Contact me today.

2220 J Street, Suite 8
2220 J Street,
Suite 8,
Sacramento, CA 95816


I was introduced to Josh Howard by our realtor, who coincidentally was also introduced to us by our friends who had recently purchased a home in Jackson. When our realtor suggest that we can close within 21 days, I was skeptical and unsure if it was even possible. My partner and I placed our trust in Josh and he delivered! Josh kept in constant contact with us throughout the process to ensure that we close on time. He is very patient and knowledgeable. I highly recommend Josh Howard and will use Josh again for future purchases.

Anthony H.

Josh is a true professional, he knows how to provide a service that I've yet to see from any other Loan Officer in the industry. He went above and beyond for my family and made the home buying process so smooth and stress free it was actually enjoyable. 

Josh and his team took over our loan after we were already 6 days into contract with our VA Loan and immediately got us pre qualified and had appraisal done within the first 3 days. josh was still able to get us set to close a few days early even after having to spend countless hours dealing with Escrow, Title and the other agent to hash out issues all without bothering us. He also took treats to the title company to help build rapport to make for a seamless closing. 

Josh you are great at what you do and my family could not thank you enough for all your help and hard work to keep this transaction a enjoyable experience. 

I forgot to mention Josh got us a lower interest rate than our other lender and saved us almost $3800 in closing costs. 

Cliff L.

I recently bought my first home, and am so glad to have had Josh help me through the process. He was able to make what I assumed would be a stressful process surprisingly easy. Josh is exactly the kind of person you want by your side when buying a home. 

Kristin C.

I cannot say enough good things about Josh HOWARD. We'd had an unsuccessful experience with a previous lender and had sort of given up hope and then we met Josh and he renewed our hope. He helped us get to where we needed to be financially, always made himself available, answered every call and text and email (and there were a lot) and then when we were approved and found our dream home he made the paperwork and signing process easy and painless. He was so patient and knowledgeable and never made us feel dumb or like a nuisance. Everyone should work with Josh!

Megan K.

Josh is an amazing person to work with very passionate about what he does. Very patient and full of knowledge we met him as we were about to give up and a very short time later we just bought our first house amazing feeling josh is a rockstar and will help you reach your goal of being a new home owner and he is very personable. 

Nick S.
Licensing Information :
Licensed in California by the Department of Financial Protection & Innovation under the Residential Mortgage Lending Act 417-0015. Not Licensed in the State of New York.