jhallford@houseloan.com
918-921-8026
Josh Hallford
Buying a home or exploring a refinance? Connect with Josh to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Josh
Positive and purposeful, as Mortgage Advisor, Josh works closely with homebuyers throughout the home loan process. Making the process clear and transparent is his top priority, so borrowers can relax knowing they are well educated and always kept in the loop. Every step of the way, Josh is fervent in providing exceptional service and, for him, seeing smiling faces and happy families on closing day is what his job is all about.
Josh was born in Oklahoma and grew up in the Southern US. He earned his bachelor’s degree from East Central University in Ada, Oklahoma and has called Tulsa home for the past 15 years. After working in commercial banking early in his career and then owning his own business, Josh made a move to the mortgage industry in 2015 in order to have a positive impact on the industry and his community. Outside of work, he enjoys spending time with his family.
What clients say about Josh
JOSH made an out of state purchase go very smoothly.
Their team is great! Super helpful, informative and explained things to us well as first time home buyers!
Josh and his team just helped me get the home of my dreams, and it was the easiest, most pain free process! 10/10 would recommend.
Josh Hallford was amazing during my loan process. He was always happy to help and always had my best interest at heart and wanted me to get the best loan. When it came down to the end, Josh was not able to do my loan but recommended me to an amazing lender. Josh checked in on me periodically to see how the lender process was going and to answer any questions I may have had. I highly recommend using Josh when purchasing a home.
Josh and his team went above and beyond for us to make sure we hit our closing date! We had some nuances due to self employment and taxes but they put us as ease every step of the way. Would definitely recommend for any home buyer!!
I’m sure ever lender has the same capabilities as the next. But what really seperated Josh from the rest was his personality and communication. Always made myself and my wife very comfortable and confident with the overall game plan. Never left me in the dark with missed phone calls or text messages. We probably cut up more than talked business because he was so on top of his game. And in the end, my monthly payment ended up being way less than I expected. Yours truly Big Dawg Pardue
Incredibly professional and made the loan process very simple. Can't say enough good things about Josh and team.
I’ve used Josh and his team for multiple home loans over the last 5 years. I highly recommend them and wouldn’t use no one else.
I can’t say enough great things about Cornerstone! As someone who has never been thru the home buying process, I was nervous, but they made everything so easy and understandable. Josh Hallford was patient, knowledgeable, and always quick to respond. The whole team went above and beyond to make sure I got the best rate and closed on time. I’m so grateful for their help and would absolutely recommend them to friends, family and literally anyone else that is looking for a home!
Josh Hallford & Cornerstone Lending, helped make the process of buying my first house smooth and enjoyable! They explained all details of my loan in a way that I could understand, guided me through all the different loan options, and never pushed me towards a specific loan option which allowed me to process the different options for myself. Overall, Josh & Cornerstone Lending were amazing and worked hard to make it a smooth and easy process for me! Thanks!
Josh and his team were absolutely amazing through the whole entire process! Always answered the phone. Always responded to emails they were absolutely fantastic. 10/10 recommend.
Let’s connect
Contact Josh
Share a little about your plans and how to reach you.
Office locations
Suite 220
Tulsa, OK 74133
Edmond, OK 73013
Suite 700
Houston, TX 77027
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Josh today.
