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First Tech Routing #321180379
Mortgage Loan Officer

Meet Joshua.

A little insight into
Joshua Dubovsky.

I earned my real estate license in 2003 and shortly thereafter I began working in the residential mortgage industry.  Over the past 16 years, I have worked hard to learn all I can about mortgage lending from every angle. In 2003 the real estate market was completely different than the one you see today.  Back then, lending guidelines were extremely relaxed and interest rates were significantly higher.  Mortgage is more heavily regulated now, which has helped tremendously to protect your home’s equity.  Having an experienced Loan Officer is more important than ever before.  There are dozens of loan options for every borrower to consider, each with their own complexities that need to be properly explained and understood.       

I begin each day by looking at the financial markets and making sure that I am up to date on any recent changes.  Providing my clients with the information they need to make some of their biggest financial decisions is something I take seriously and I see it through to the end.  Successfully completing a transaction on-time is very rewarding.  I am an expert in the home purchase and refinance processes for primary residences, investment properties and vacation homes.  One of my best strengths is my ability to communicate with the client and all parties involved (Realtors, Escrow Officers, Underwriters, and Insurance Agents, etc).  This is a fundamental skill that is often overlooked.  Communication is vital to a successful transaction.    

I enjoy spending time with my 12 year old son and playing golf or soccer. My favorite vacation destination is going to Disneyland on Halloween. We also enjoy going to TwitchCon and other gaming events.

We're here to help you.

Get pre-qualified.

Take the first step to your home dreams by seeing how much you can borrow by getting pre-qualified. A pre-qualification can give you a leg up in a competitive market and can ease your mind when taking on the task of financing a home.

Buy a home.

We have mortgage solutions to fit your needs, whether this is your first home, next home, or you’re building your dream house. If you have a home picked out and signed a contract, please apply here. If you want to see how much you qualify for submit a request for Pre-Qualification.


Whether you want to cash out your equity, lower your payments, or pay off your loan sooner, we have a refinance loan for you.

Home equity.

Do you have big plans that require money? Get that money from the equity in your home. We have great rates and many options, depending on your goals.

Mortgage resources.


Home Buyers

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Home Loan

View more information on the home loan options available.

All loans are subject to credit approval. Credit Union membership is required and subject to approval. Property and/or flood hazard insurance may be required.