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Joshua Viera

With over 20 years experience as a Loan Officer, I ensure personalized loan solutions, aligned with Ethos Lending's values of integrity and transparency. Dedicated to exceptional customer care, I build lasting client relationships. Whether you're a first-time homebuyer, investor, or self-employed, trust in my guidance. Together, I’ll be your guide, ensuring you navigate lending complexities without stress to achieve your homeownership dreams.

NMLS#553100 | DRE#2138695

Over my two decades of experience as a Loan Officer, I’ve cultivated a deep understanding of the intricacies of the lending industry. I specialize in crafting tailored loan solutions for clients, ensuring they receive the best possible financial outcomes. Ethos Lending Inc.’s dedication to providing exceptional customer care resonates with my own values, as I prioritize building lasting relationships with each client. Whether you’re a first-time homebuyer, an investor, or self-employed, I’m here to guide you through every step of the loan process with honesty and professionalism. Trust me to be your dedicated partner, and together, we’ll navigate the complexities of lending to achieve your homeownership dreams.


I live in San Diego with my wife Chrystal and son Noah. I enjoy hiking, golfing, riding motorcycles, and relaxing on the beach, but my passion is teaching and mentoring men on how to build a life based on faith and volunteering. I’m excited to start volunteering for a ministry that builds homes for families in need just south of the border.

Delivering on Our Promises, We Build Trust

Our clients value reliability, transparent service and honest advice. We are committed to meeting your needs effectively.

I can't believe that the whole process of getting a mortgage and moving was so fast and painless. ETHOS supported us at every step of the way - always friendly, professional and ready to listen. Thank you again. The Nelson Family Rancho Mission Viejo, CA
We're truly grateful as we look back on achieving the milestone of securing our home. ETHOS went above and beyond, turning our dreams into reality. While other lenders turned us away, they stood by our side, asking, 'Why not?' We appreciate the incredible journey we've been on with ETHOS and can't thank you enough. The Curtis Family San Juan Capistrano, CA
I was finding the process of getting a mortgage pretty overwhelming - it's such a big decision. Once I found ETHOS, I knew I was in good hands. They explained all the options, and the process was smooth and fast. Overall, a great experience. The Johnson Family Rancho Mission Viejo, CA


Mario O’Brien

I excel at building lasting client relationships. Thriving under pressure and adaptable to any situation, I ensure a smooth, efficient process tailored to your unique needs. Through transparent communication and proactive problem-solving, I aim to exceed your expectations with the solutions I provide. As your trusted advisor, I guide you through the lending market's complexities, offering insights and support to achieve your goals and future prosperity.

Noah Burford

With over 25 years in California’s lending industry, I prioritize transparency and clear communication, helping clients make informed financial decisions. My commitment to integrity and exceptional service aligns perfectly with Ethos Lending’s core values. Whether you're a homebuyer, investor, or business owner, I will leverage advanced technology to provide loan solutions tailored to your specific needs, ensuring a smooth and confident lending experience.