Financing Made Clear
Meet Our Preferred Lender
Josh Shirota and The Elevated Team at CrossCountry Mortgage
★★★★★ 4.97 from 61 client reviews
You're never required to use our preferred lender. You're free to choose any lender you like.
Know Your Numbers Before You Fall for a Home
The right home goes fast in Greater Prescott, and buyers who win it already know what they can afford. That's why we work closely with Josh Shirota and The Elevated Team. When your lender and your agent work as one team, you get a stronger offer, fewer surprises and a smoother path to closing day.
Why Our Clients Work With Josh
A Lender Who Keeps Your Deal on Track
Local Knowledge
Josh knows the Prescott market, so your financing fits the homes you're actually shopping for.
Pre-Approvals Sellers Take Seriously
A fast, fully reviewed pre-approval makes your offer stand out against other buyers.
In-House Processing
Processing and underwriting stay with one team, which keeps your closing on schedule.
You Always Know Where Things Stand
Clear updates from application to keys, with your agent kept in the loop.
Options Built Around You
Self-employed, retired, relocating or buying your next home before you sell, Josh finds the loan that fits.
More clarity. More confidence. A smoother path to closing.
Loan Programs
Loan Options for Every Move
Conventional, FHA, VA and Jumbo
Flexible financing for first homes, next homes and everything in between, including programs for those who served.
Rate Buydowns
Lower your monthly payment, especially in the first years of your loan.
Buy Before You Sell
Lock in your next home before your current one sells, so you only move once.
Skip the PMI
Put 15% down instead of 20% and avoid monthly mortgage insurance.
Programs are subject to qualification, approval and availability. Terms may vary.
The Plan
How It Works With Your HYLAND GROUP Agent
01
Get Pre-Approved
Connect with Josh for a quick review and a pre-approval you can shop with.
02
Shop With Confidence
Your agent targets homes in your range and writes offers backed by a lender sellers trust.
03
Close on Time
Josh and our full-time transaction team coordinate every deadline from contract to keys.
Contact Josh
Josh Shirota
Loan Originator
The Elevated Team at CrossCountry Mortgage
NMLS #874132 | CrossCountry Mortgage NMLS #3029
★★★★★ 4.97 out of 5 from 61 client reviews Read reviews
Ready to Make Your Move?
Get pre-approved with Josh, then let our team, #1 in Greater Prescott since 2012, help you find the right home and win it.
All loans are subject to underwriting approval. Certain restrictions apply. This is not a commitment to lend. Equal Housing Lender. CrossCountry Mortgage, LLC NMLS #3029. You are not required to use any particular lender to buy a home with The HYLAND GROUP | eXp Realty.