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Joshua Dean hopes his commitment to clients pays off with the opportunity to help more homebuyers.

is needed. As personal circumstances change, the financial strategy may need to be altered.

“That is my commitment to the community, and how I become their mortgage guy for life,” he said.

It’s Personal

When you read Joshua’s bio, it is easy to understand his passion for helping people; he has degrees in education and theology, along with mortgage and insurance experience.

At the core of his role as a sales manager with Homeowners Financial Group is a desire to educate and serve people in his community, helping them achieve their dreams of owning a home and building wealth through real estate (something not often taught in schools).

“I believe in doing the right thing, and treating people with dignity and value,” Joshua said. “My perspective comes from being a former pastor, and loving people well.”

3 Goals for Each Client

Education. Statistics show that 67% of people do not make the right decision on their mortgages, according to Joshua, citing poor leadership in making the best choice.

To counter this, Joshua educates his clients on factors that matter most in determining the proper loan strategy. He walks them through a total cost analysis, which shows the specifics of the immediate terms of the loan, as well as how each decision will affect total interest paid, net worth, tax advantages, etc.

“If you don’t see the transparency behind the numbers and how they may cost you over time, how do you know if you are making the best decision?” he said. “I’m more than a loan officer. I’m a consultant who can help my clients leverage their money. We work together to see how to save money, understand the return on investment and consolidate debt.”

Create generational wealth. Homeowners Financial Group stresses the importance of creating generational wealth, when possible. That is a company goal that Joshua embraces.

Home ownership is one of the most important aspects in building significant net worth. According to the Federal Reserve’s Survey of Consumer Finances, a homeowner’s net worth is 36 times greater than that of a nonhomeowner.

Recently, Joshua closed on a loan for a 25-year-old who bought her first home; her parents could not have been more appreciative, as Joshua helped her achieve the dream of homeownership by finding the right financing solution to fit her budget and long-term goals.

Constant communication.

Whether by phone calls, texts or email, Joshua makes himself available throughout the entire process.

“Our goal is to create an incredible experience for our clients, and being available for them is a significant part of that process,” Joshua said. “We want raving fans, and I want agents who refer my team to look like incredible professionals, helping them earn more business in the marketplace.”

One agent’s testimonial affirms his goal.

“Joshua Dean is a rock star! I was the listing agent on a property, and the buyer hired Joshua for her loan needs. I did not know him prior to this one transaction. He is an excellent communicator, as he always answered his phone. He also called, texted and emailed me with updates on a regular basis. I am very impressed with Joshua and how he handles himself professionally.”

All About Community

Joshua moved his family to Cherokee County from Buffalo, New York, 5 years ago. Commitment to the community is what drives Joshua as a businessman, husband and father of three: Judah, 9, Grantly, 8, and Gracie, 5. He cites that dedication as the reason he works hard to offer the best client experience possible.

Joshua and his wife, Tina, have been married 17 years. He was fortunate to play college basketball at a high level and has earned two degrees: a bachelor’s degree in early childhood education from the University of Buffalo, and a master’s in theological studies from Masters International University of Divinity.

“Buying a home is often a stressful time. People get weary in the process, and often feel overwhelmed. I’m here to eradicate any doubt,” he said. “I’m convinced that relationships matter. We want our clients to be our clients for life, so we are committed to providing them with exceptional service so they come back in the future.”