About Us

MMP Home Loans, LLC is a licensed Central Florida Mortgage Broker founded by 25yr industry veteran Josh Dougherty, in 2024. Our mission is to serve our customers with honesty, integrity and an extremely high level of competence. Our goal is to provide home loans to our clients while giving them the lowest interest rates and closing costs possible. We do this by working with many of the nations top wholesale lenders and by utilizing today's technology to it's fullest capabilities to help streamline our operations and management. By running a lean business model it prevents us from having to pass along high overhead costs to our customers, unlike many other mortgage companies. Furthermore, we pledge to help our borrowers overcome roadblocks and obstacles that can arise when obtaining a mortgage, that many other mortgage companies fail to accomplish. This is why we are the team you can count on for your mortgage needs!

Meet Our Team

Josh Dougherty

Owner & Mortgage Loan Originator, NMLS #319751

Josh Dougherty is a 25-year mortgage & real estate industry veteran with over 23 of those years spent in mortgage. He has helped thousands of home buyers obtain the dream of home ownership and honorably served our country in the Marines, prior to becoming a realtor and mortgage loan originator. He has also supported and worked with numerous real estate professionals and new construction builders throughout the Central Florida markets and abroad. He and his mortgage team are known as the “Can Do Lender” to contact to get the job done in the most efficient and stress-free manner possible!

Kristina Arshad

Mortgage Loan Originator, NMLS #2742828

Kristina has built a longstanding career in real estate, beginning in 2004, and has established a reputation rooted in knowledge, trust, and results. She has held her Real Estate License in North Carolina, South Carolina, and Florida, and as of 2025, she has expanded her expertise by joining MMP as a Licensed Mortgage Loan Originator in all three states. Kristina brings a wealth of experience to our team—supporting company transactions while also originating and growing her own book of business across her licensed states. Her unique background in both real estate and lending positions her to guide clients seamlessly through every step of the homeownership journey.

Carmen Hernandez & Michelle Burditt

3rd Party Contract Processing Team

Carmen or Michelle are introduced after the transaction is underway. They order the appraisal, title, hazard insurance and verifications when time, and will prepare your application for initial review with the Lender's Underwriters. They also let you know when the Lender's Underwriters issues your Conditional Approval, which is the same as loan commtiment. Then, they work with you to to gather and submit the required approval conditions to the Lender's Underwriters a 2nd or 3rd time as needed. Until ulltimately, the Loan is Final Approved and CTC Clear to Close!