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Josh Borba, Licensed Mortgage Broker, NMLS #76821

Josh Borba - Licensed Mortgage Broker NMLS #76821

Josh Borba, Licensed Mortgage Broker, NMLS #76821

President - MLO

NMLS #76821 | DRE #01386892

I have been a licensed mortgage broker since graduating from San Francisco State University in 2002. My experienced processing staff and I work together to make up “Team Borba.” Our primary goal is to help our clients smoothly navigate through the complex mortgage process, whether it be buying a new home, refinancing a current home or investment property or obtaining a reverse mortgage to help clients enjoy their retirement years without the worry of monthly cash flow.

Team Borba works closely with our clients, Realtors and escrow and title companies to keep all parties informed from application through closing. This helps ensure a no surprise, on time closing.

Product knowledge is the key to a successful home financing experience. We strive for all of our clients to understand all available options to them.

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Here's What My Clients Say

Very Smooth Process

I have purchased 3 homes with the assistance of MLS. Josh made the process go smoothly and quickly. I would highly recommend… Read more “Very Smooth Process”

Laura Genovia
Review Source: Google

Josh Borba is a Miracle Worker

Josh Borba is a miracle worker! This is the third time we have used MLS mortgage for financing, and we are always impressed with his efficiency and competency. He has a way of making you feel at ease…that you know he will take care of anything that should arise. I would highly recommend MLS Mortgage… Read more “Josh Borba is a Miracle Worker”

EadaoinB
Source: BBB

I’m so Thankful

I’m so thankful for Josh Borba at MLS Mortgage for helping me qualify for a Reverse Mortgage loan. It was a complicated process but Josh pulled it through for me. Their customer service is outstanding and and create good relationships with their clients. Thank you Josh for all you do! Sincerely , Lupe… Read more “I’m so Thankful”

Guadalup U.
Review Source: BBB

Extremely Pleased

Extremely pleased with the service with MLS Mortgage on my recent reverse mortgage. Josh Borba is very knowledgeable on the subject, answers any questions honestly, and is extremely prompt and… Read more “Extremely Pleased”

Joseph G.
Review Source: BBB

No fishing, just a good deal right from the start

My name is Ken Mayfield, living in North Idaho. I don’t write reviews because it seems like customer service has become nothing but recorded do it your self programs. Not so with the people at MLS Mortgage. I just closed on a new reverse mortgage with MLS that was necessary to get my wife on… Read more “No fishing, just a good deal right from the start”

Ken M.
Review Source: BBB

Easy close at a great rate

We were referred to Josh Borba through our agent on a residential real estate purchase. We planned to use our credit union but also shopped rates through Josh and he was able to beat our bank so we went with him. It was the right choice. The transaction went smoothly, funded on time, easy close… Read more “Easy close at a great rate”

Dan
Review Source: BBB

I highly recommend

I worked with Josh twice on a reverse mortgage and I found him to be very profession and trustworthy and also good to his word. He is not greedy and his fees reflect that aspect. He also very thorough and will do any follow up that may be required. I highly recommend him, you won’t… Read more “I highly recommend”

Warren G
Review Source: BBB

This is going to make our retirement planning much easier!

We wanted to refinance to take advantage of better interest rates and the fact we had paid down the existing mortgage substantially. MLS did a terrific job in getting us a good deal and getting it done quickly. They are knowledgeable, efficient, and professional. This is going to make our retirement planning much… Read more “This is going to make our retirement planning much easier!”

Robert N
Review Source: BBB

Super responsive

Working with Josh was a true pleasure given his responsiveness and patience. Because of my work and travel, it took months to work through the reverse mortgage on my mother’s behalf. A few times I’d asked Josh to pause the process and then remind me at a later time for check in. He fully respected… Read more “Super responsive”

Eli L.
Source: BBB

Very professional, knowledgeable, and caring

We have been doing business with MLS Mortgage for many years. Very professional, knowledgeable, and caring. I would recommend them… Read more “Very professional, knowledgeable, and caring”

Teri W.
Source: Google

He makes it all so easy

I just bought a home with my second R.M. Josh Borba was my gentle guide through the entire easy pleasant experience. I highly recommend this man of integrity, care, sensitivity & grace if you are looking for a helper during the often confusing process. He makes it all so… Read more “He makes it all so easy”

Lelia S.
Source: Google

It was the right choice

We were referred to Josh Borba through our agent on a residential real estate purchase. We planned to use our credit union but also shopped rates through Josh and he was able to beat our bank so we went with him. It was the right choice. The transaction went smoothly, funded on time, easy close… Read more “It was the right choice”

Dan
Source: Google

We would not hesitate to use Josh again in the future!

Josh came to us highly recommended and it’s easy to see why. He is a true professional; knowledgeable, hardworking, and calm under pressure. From start to finish, Josh maintained constant contact with us and made sure that we understood the mortgage process. When an issue arose with the appraiser, he went out of his way… Read more “We would not hesitate to use Josh again in the future!”

Regina W.
Source: Yelp

Josh is simply amazing!

Josh is simply amazing!!!  When I bought our second home our realtor recommended him.  We went to him this time because we refinanced and trusted his homestead opinion.  He was helpful and patient with us.  We actually referred our son to… Read more “Josh is simply amazing!”

Tammy W.
Source: Yelp

So Fortunate to Have Found Josh

I am so fortunate to have found Josh for Reverse Mortgage help. He is a person of great kindness, patience, responsiveness & genuine interest in doing the best for his client. He was swift & efficient with my R.M. home in Paradise, California in spring of 2016. After the town burned down with my entire… Read more “So Fortunate to Have Found Josh”

Lelia S.
Lead Source: BBB

Professional, Speedy & Courteous

MLS Mortgage and my loan officer Josh Borba were professional, speedy & courteous. The only broker for our loan… Read more “Professional, Speedy & Courteous”

Garrett E.
Source: BBB