Horizon Financial Group Inc.

When looking to purchase or refinance your current home, you want a mortgage broker to be your advocate in the mortgage process. Josh Rubin fosters a relentless client centric approach to help you match a mortgage program to meet your unique financing needs. We are committed not only to making the mortgage process as simple and clear as possible but also insuring the individual financial needs of our clients are met at the lowest costs and rates. 

Residential mortgages


Josh Rubin, the founder of Horizon Financial Group Inc., has been a top 1% loan originator since entering the business in May of 1995.  His company was acquired by 1st Securities Mortgage in 2018, a perfect fit for two long time, successful mortgage companies with a similar approach to unparalleled customer service and responsible lending.   Josh is committed to making the mortgage process as simple and clear as possible and insuring that his client’s unique needs are met at the lowest costs and rates.  Joshua says:

“I have a passion for what I do, I aim to make to make my clients feel like they are my only client.  I take tremendous pride in educating my borrowers which leads to a smooth and seamless mortgage process.”

Josh has lived in Michigan his entire life.  He has a degree in Finance and attended Michigan State and Eastern Michigan University.  When away from the office, he loves to spend time with his family and his beloved Labradoodle, Gibby.  He is an avid golfer, a baseball nut who loves to travel and is very involved in numerous other endeavors to give back to his community. 

At Horizon Financial Group Inc., we believe in doing things a little differently, returning calls and emails promptly, providing you every possible, responsible, financing options for your unique needs and most importantly, following through with our promises and delivering exactly what was proposed.

The personalized service we offer separates us from the rest of the pack, and the little things make doing business with us a smooth and hassle-free process especially in this current lending dynamic.

In an era of Internet companies, inefficient banks, mega-mortgage companies and here today, gone tomorrow mortgage brokers, we maintain our belief that quite simply, our level of customer service cannot be equaled.

We provide a complete menu of diverse, flexible mortgage programs for our clients based on the variety of their needs. We specialize in FHA, conventional, 203k, Homepath, Homesteps, USDA, JUMBO’s, refinances and seamless purchases.

We create the expectations and deliver upon them every time. We realize there are many companies to choose from.That is why when we founded Horizon Financial Group Inc., our guiding principles were to create an organization that fostered a fresh alternative to lending paired with a relentless client focus, unparalleled knowledge and access to the most wide ranging loan programs in the industry.

We thank you for your interest in Horizon Financial Group, Inc. and look forward to introducing you to relationship lending. After all, it is what you deserve.