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About Lerette Lending

Lerette Lending, lead by mortgage industry veteran and expert Joshua Lerette, is dedicated to providing Florida families with the industries best home loan rates and terms while providing a world-class experience.  We have simplified the home loan process to provide our clients with an easy and enjoyable home loan experience while offering home loan savings and money-saving strategies other lenders simply don't offer.

As mortgage brokers, with access to 100's of home loan institutions, it is my job to seek out the most competitive home loan terms and best programs to meet you and your families home loan needs. Obtaining great home loan terms, quite frankly, is usually the easiest part of our job.

But more importantly, we provide our clients with the education and knowledge of all the little intricacies of the home loan process as well as a thorough breakdown of all home loan options and terms you qualify for showing you the true cost and savings of each individual program to assist you in making an educated decision on which home loan program and term will save you and your family the most money, not only short-term but also long-term, which is where many, if not most, of our competitors, fall short.

Our Story

In 2003 Joshua went through the process of buying his first home and even in a time where obtaining a home loan was much easier than it is today, still found the process to be confusing and felt the communication throughout the process and what to expect was heavily lacking during his home buying experience. So a career in home loan origination was born with a mission to create an experience for families that not only is informative, but personalized and easy to understand while offering guidance on the best home loan terms to meet your families needs.

Meet Joshua

Joshua Lerette

Joshua Lerete Profile Photo
Founder, Mortgage Advisor

An experienced and trusted mortgage professional dedicated to assisting families, especially active duty military and veterans, here in Florida with their home loan needs to either buy a home or refinance while providing a world-class experience.

Joshua has had the pleasure of helping over 1000 families in his career to do just so. A majority of his business, if not all, comes from referrals from either past clients or trusted partners so he believes in providing a unique experience, unlike any of his competitors, along with world class service in the hopes that he will become your mortgage consultant for life rather than just this one transaction. Throughout Joshua's career as a mortgage advisor, he has been privileged to excel in his career and among many of his colleagues to earn accolades such as Banker of the Year in 2012 and 2014, multiple time Banker of the Month, as well as a multiple time member of the President's Club and Circle of Excellence (both for being in the top tier of his colleagues in performance and production) before opening Lerette Lending, a dba of Innovative Mortgage Services, Inc NMLS #250769.

What Our Clients' Are Saying...

A deal full of Surprises

Josh and his team picked up the pieces from another lenders disaster and got us to the finish line. Every obstacle that could get in the way got in the way but Josh and the Carrington team got it done and I am typing this from my new home. (more…)

Not Your Average Lender

Josh and his team went above and beyond for us. The process was as smooth as possible with our situation. I will definitely recommend his highly professional and friendly services to my friends and family!

Xaphet - Saint Petersburg, FL

Josh is AMAZING. Talk about someone that is responsive and listens to your needs!

I was originally pre-qualified for a conventional loan through my out-of-state credit union when I had an offer accepted on my dream home. But, because they didn't take the time to understand my situation, my business (I am self-employed) and my needs, the underwriter denied my loan. I had two weeks left until I had to close! I could of easily lost the house. Thankfully, I found Josh. From day one he answered ALL of my questions and I ask A LOT. He was patient, hard working and truly has your best interest at heart. I would recommend him 100%

Teresa Mandala - Saint Petersburg, FL

Amazing Lender

I am so thankful I had Josh. He helped me through a difficult issue with my finances and did a great job. I suggest everyone use Josh. He is diligent and will keep in constant contact with you. I am very blessed that a client of mine used Josh a couple of years ago. His communication is the best in the business!

Mindy Artze

We take a personalized approach to each and every home loan we assist our clients with. Our clients consistently see increased savings and money-saving strategies that other lenders simply don't offer.

- Joshua Lerette. Founder/Mortgage Advisor, Lerette Lending

About Lerette Lending

Updated on 2019-03-07T12:34:30-05:00, by Joshua Lerette.