Speak with Joshua Crater Mortgage Expert (949) 278-0766


My name is Joshua Crater and this is my team.

We are all here to help you and your family throughout the loan process and beyond. These are some of the key people you will work with but there are many other team members that you may or may not encounter throughout the process, just know that at anytime you can call or email me direct with any questions.

Our Team:

 Team Email JCraterTeam@BestHomeLoanRates.com

Team Fax: 949.613.5644


Joshua Crater - Team Manager / Mortgage Banker

Direct Line: 949.278.0766



Andrew Crater - Loan Coordinator

Direct Line: 714.917.9504


Jessica Crater - Loan Coordinator

Direct Line: 949.400.6316


Stefanie Martinez - Loan Coordinator


Corie Armstrong - Disclosure Desk


Nahum Velasco - Appraisal Desk


Sandra Dodd -  Loan Processor


Nancy Koble - Processing Manager


John Tolley - Underwriting Manager


Wendy Hall - Underwriter


Keary Nash  - Escrow Officer


Karina Smith – Doc Department


Chau Huynh - Funder


Irene Valdez - Funder


Daniela Free – Post Closing

We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to tailor a loan that is exclusively for you.

Our Core Values:

  • Integrity – “Whoever is faithful with very little will also be faithful with much, and whoever is dishonest with very little will also be dishonest with much.” Luke 16:10
  • Gratitude – "Give thanks in all circumstances; for this is God’s will for you in Christ Jesus." – 1 Thessalonians 5:15 
  • Community – "In the same way, faith by itself, if it is not accompanied by action, is dead." – James 2:17 
  • Relationships – “In everything, then, do to others as you would have them do to you.” Luke 6:31
  • Service – “For even the Son of Man did not come to be served, but to serve, and to give His life as a ransom for many.” Mark 10:45

For more info go to - www.besthomeloanrates.com/giving-back/