Originally from Chicago, Josh Hereau is firmly planted in Prosper, Texas. And although you will see him enjoying Lake Lewisville with family and friends or volunteering at the PGA Frisco, don't be fooled by his casual, laid-back style.  
With over 20 years of experience, Josh is an expert in mortgage origination. He has the ability to quickly identify the best loan structures for his clients allowing him to help thousands of homeowners purchase and refinance their homes. Josh's past experience on the Chicago Board of Options Exchange gives him a unique insight into the forces that drive interest rates and markets.  
By harnessing technology and stiving to stay informed on the latest complexities of mortgage lending, Josh has become a vital resource for homeowners, buyers and Realtors alike.  
" For many of my clients, the home purchase is the single most important investment they will make in their lifetime. It's the cornerstone of their financial portfolio…..and I treat it as such" Josh Hereau

VP of Mortgage Lending

Josh Hereau is your Frisco local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Josh is committed to helping homeowners with home purchase loans and refinances. Contact Josh at (972) 202-8608 for more information!

Josh Hereau at Guaranteed Rate Affinity (NMLS #223785)

With over 20 years in the mortgage industry, Julie is a trusted advisor known for her dedication to clients and a personalized approach to mortgage solutions. Since 2003, she has originated over 2,300 loans totaling more than $450 million, helping clients secure financing for primary residences, vacation homes, and investment properties. Julie's attention to detail and strong communication skills have earned her the loyalty of clients, with many returning and referring friends, family, and co-workers across Texas.


As a proud Homes for Heroes affiliate, Julie offers additional savings to those who serve or have served in hero professions, including Firefighters/EMS, Law Enforcement, Military (Active & Veteran), Healthcare professionals, and Teachers. She is particularly passionate about helping first-time homebuyers but also enjoys working with experienced homeowners and investment property buyers to achieve their goals.  
Recognized for excellence, Julie has received the Five Star Mortgage Professional Award, D Magazine Best Mortgage Professional Award, and Scotsman Guide Top 1% Originators in America, along with a Certificate of Excellence from HUD for helping low-income families achieve homeownership.


Julie is committed to building lasting client relationships and ensuring a smooth, successful mortgage experience at every step. She approaches each loan as an opportunity to empower her clients, helping them feel informed and confident in their decisions.

Julie Nichols is your Frisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Julie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Julie at (214) 616-4549 for more information!

Julie Nichols at Guaranteed Rate Affinity (NMLS #280620)

With 25 years of experience in the mortgage industry and over three decades in real estate finance, Donna is a seasoned mortgage professional dedicated to helping Texans achieve their homeownership dreams. Licensed to provide loans across the state, Donna has served hundreds of families throughout Texas with a commitment to honesty, capability, and integrity. Known for a hands-on approach and deep industry knowledge, Donna takes pride in guiding clients through the home loan process with clear communication and a strong commitment to their financial well-being.

Donna Hambek is your Frisco local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Donna is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Donna at (214) 295-4008 for more information!

Donna Hambek at Guaranteed Rate Affinity (NMLS #396728)

Frisco

<footer class="footer-container">
          <div class="divider"></div>
          <div class="social-container">
            <a href="/">
              <img
                src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte2241c03634be37c/646befbd46d4d8ed366be4c2/GRA_Logo.svg"
                alt="Logo for Guaranteed Rate Affinity, a Guaranteed Rate Company"
                width="167"
                height="55"
              />
            </a>
            <div class="social-links">
<a href="https://www.youtube.com/channel/UCA8EFopvnDAtQuGMnD8R5AA"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.linkedin.com/company/guaranteedrateaffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.facebook.com/GuaranteedRateAffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.zillow.com/lender-profile/GuaranteedRateAffinity/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-zillow " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
</div>
          </div>
          <div class="links-container">
            <div class="column">
              <a href="https://www.grarate.com/termsofuse" data-ya-track="link#">Terms of Use</a>
              <a href="https://www.grarate.com/privacy" data-ya-track="link#">Privacy Policies</a>
              <a href="https://www.grarate.com/accessibility" data-ya-track="link#">Accessibility</a>
              <a href="https://www.grarate.com/sms-terms" data-ya-track="link#">SMS Terms</a>
              <a href="https://www.grarate.com/licensing" data-ya-track="link#">Licensing Info</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/about-us/" data-ya-track="link#">About Us</a>
              <a href="https://careers.grarate.com/" data-ya-track="link#">Careers</a>
              <a href="https://www.grarate.com/contact-us" data-ya-track="link#">Contact Us</a>
              <a href="https://www.grarate.com/articles" data-ya-track="link#">Knowledge Center</a>
              <a href="https://www.grarate.com/legal" data-ya-track="link#">Legal</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/disclaimer" data-ya-track="link#">Disclaimer</a>
              <a href="https://www.anywhereinsurance.re/" data-ya-track="link#">Anywhere Insurance Agency</a>
              <a href="https://www.anywhereis.re/" data-ya-track="link#">Anywhere Integrated Services</a>
              <a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1598647" data-ya-track="link#">NMLS Consumer Access</a>
              <a href="https://www.grarate.com/texas-consumers-how-to-file-complaint" data-ya-track="link#">Texas Consumers: How to File a Complaint</a>
              <a href="https://www.grarate.com/notice-to-vendor" data-ya-track="link#">Notice to Vendors</a>
              <a class="privacy-link" target="_blank" href="https://privacyportal-cdn.onetrust.com/dsarwebform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029.html" rel="noopener noreferrer" data-ya-track="link#">Do Not Sell My Personal Information</a>
            </div>
          </div>
          <div class="copyright-container">
            <img
              src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt2c78064cb4e93643/647a74c86be35f2593bd207d/equalHousingLender.svg"
              alt="Equal Housing Lender"
              width="136"
              height="29"
            />
            <p>Copyright © 2017-2024 Guaranteed Rate Affinity, LLC. All rights reserved Guaranteed Rate Affinity</p>
            <p>NMLS: 1598647 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />Arizona Mortgage Banker License #0941440</p>
            <p>1800 W. Larchmont Ave., Chicago, IL 60613 - <a href="tel:+18888449888">(888) 844-9888</a><br />Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC.</p>
            <p>Guaranteed Rate Affinity, LLC. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.</p>
          </div>
        </footer>

3 Loan Officers in Frisco, TX