Licensed in DC, Florida, Maryland, New Jersey, Pennsylvania & Virginia

Every genuine mortgage consultant thrives on the sheer joy seen on a client’s face upon receiving their new home keys. For Josh, this satisfaction is deepened by the trust-based relationships he establishes. His clients not only feel at ease discussing their finances but also become well-versed in the mortgage process, ensuring they close deals timely with the perfect mortgage fit.

A graduate of Towson University, Josh furthered his education with an MBA from the University of Maryland, University College, all while juggling a full-time job and parenting two young kids. This dedication is evident in his work at The Downs Group at Vellum Mortgage. When he’s not assisting clients, Josh cherishes moments with his children, indulges in golf, and dives into fiction books.