About Josh
Proudly serving clients across Virginia and North Carolina.
Josh started his career in banking in 2004. He built his reputation on exceptional client service, ethics, integrity, experience, and expertise. Josh was drawn to mortgage lending because of his strong desire to further assist his clients with one of the biggest, most exciting stages of their lives.
He is a martial arts instructor outside of the office, where he teaches his students to be hardworking, honest, and respectful individuals. Josh’s clients will love his positive energy as well as his honesty, responsiveness, and reliability.
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!
Borrower Testimonials
I appreciate the availability of Josh and his team. Everyone was fast and responsive and really made the loan process simple. I'd highly recommend them to anyone who is buying a new home.
Wokred with Josh a few times now and it only gets easier. My clients love him he's always just a call away and communication is on point. Thanks Josh!
It was a great experience because I interacted with such an amazing soul and good hearted person named Josh. Through the process Josh never missed a beat, made sure we had all doumentation needed. Great with communication, timing and energy. Made the process very easy, I would 100% work with Josh and his team again.
Thank you for helping and suggesting us to move forward with... thank you so much
We are first time home buyers and the team really made the process easy for us. We had numerous credit issues that needed to be worked out and no matter the issue Matt and his team promptly got everything done for a timely closing on our VA loan. We absolutely recommend this team to anyone that is interested in purchasing a home.
As a real estate agent, having a responsive, reliable lender on the other side of the transaction is everything. Josh delivered an outstanding experience for my buyers from start to finish. He kept communication clear, stayed ahead of every deadline, and made closing a breeze. I’m always confident when my clients work with Josh!
The OVM team communicated with me every step of the way and ensured I understood the process.
Josh Hartman is very coordinated, very prompt and a great commuincator! He moves things at the speed of light, very pleasant to work with, very attentive and supportive thorughout the whole process. Thanks, Josh for your deligent, I am very grateful for your commitment.
My partner Tameka and I interviewed with Josh and told him exactly how we wanted our clients to be cared for and he did exactly that! He created a relationship with trust and compassion with our clients and with us. He also stayed professional throughout. Josh is truly the best.
Josh was very attentive and fave great advice that we as first time buyers had no clue about. He was very helpful and never left us on read. We truly appreciate him so much for all he did for us.
was great communicator and easily to get a hold of.
Working with Josh Hartman was a great experience. I really appreciated his communication throughout the real estate loan process and the fact that he took the time to listen to my opinions and concerns. He made sure I understood the different loan options and rates available to me, which helped me feel confident in making the right decision. I trul...
Here’s a polished, enthusiastic review you could post: ⭐⭐⭐⭐⭐ (I’d give 6 stars if I could!) Working with Josh Harmon was an outstanding experience from start to finish. Anytime a challenge came up, Josh handled it immediately and found a solution. His communication was excellent, his professionalism was top-notch, and he made what cou...
The steady communication between all parties. Also , all my questions were answered .
Easy process and very responsive the app was helpful as well.
Everyone that was involved in the process worked hard to make sure we got into our home. The team was awesome!
This loan was dead in the water according to another loan officer when Josh reached down, pulled it into the lifeboat and Andrea Hale and the team brought this one back to life. With Josh working the sails, Andrea in the engine room, Ben Spitzer on lookout, and Matt beckwith at the helm they turned this ship around quickly and in weeks, this loan w...
Speed and ease of entire experience! Everyone involved was amazing..
I have had the pleasure of knowing Matt and his team for years and have seen first hand what top notch service they provide. They handled loans for most of my family as well and we are all committed! The team is always available, helpful and creative. My transaction was a long and complicated one and I could not have done it without Matt Beckwith! ...
Josh Hartman is truly an exceptional loan officer. Right from the beginning he was thorough in his explanations, what was needed on my end to get things moving and done, he communicated with me the entitre process and was always available for a call or text to explain things if I had questions. This is actually my second loan with Josh and I reache...
Clarification on who was handling my loan and consistent communication.
osh was very consistent and professional throughout the entire process. He also answered any questions that I had while going through the process.
The level of knowledge and professionalism that Josh has, working on anything that comes up at anytime of the day or night. Anyone working with him knows his dedication, he will make it work.
Working with Josh was a fantastic experience. He is professional, detailed, personable, knowledgeable, AVAILABLE, and it is evident that he truly cares about our clients. Thank you, Josh, for such a smooth transaction!