Josh has been in the financial industry since age 18, becoming a VP at 21 for a bank, and then transitioned to the mortgage industry over 18 years ago. He brings years of experience, ample knowledge of products, and a personal goal to provide the best service in the industry.

Josh has been able to help thousands of individuals obtain home ownership and help multiple generations within multiple families become homeowners when they thought it was not achievable. His core business practices make him stand out as a true specialist in Mortgage Banking, which has been proven year after year as he has been and continues to be in the top 1% of the nation with mortgage lenders consistently every year.

team member

Sean Hanley

Loan Manager

Testimonials

    Top Rated Service 2026
   
 5.0
 5.0
 verified by Trustindex 
 Trustindex verifies that the company has a review score above 4.5, based on reviews collected on Zillow over the past 12 months, qualifying it to receive the Top Rated Certificate.
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      Posted on Zillow  
   
   Kaleen 
 31 July 2018
 
 
 Verified Amazing!Amazing! Joshua was truly phenomenal from start to finish, the fastest closing our realtor had ever seen with great service. He was responsive and communicative throughout, easy to reach, and massively helpful as we thought through various financing options. Can’t recommend highly enough!
  
 
     Posted on Zillow  
   
   user7868985 
 22 March 2018
 
 
 Verified Wonderful to work withWonderful to work with Communication with Joshua was professional and reliable. He went above and beyond to help secure a loan for our house. Any question we had, Joshua made sure to provide a comprehensive answer. Thanks very much Josh!
  
 
     Posted on Zillow  
   
   sherwetw 
 20 March 2018
 
 
 Verified Professional, Helpful, ResponsiveProfessional, Helpful, Responsive Josh kept us updated, informed, and completely comfortable with all the chaos that can take over during the process of purchasing a home. One of the best!
  
 
     Posted on Zillow  
   
   Julie Wade 
 18 March 2018
 
 
 Verified Wonderful. Stress free!Wonderful. Stress free! Josh went above and beyond helping me buy my home. He was very knowledgable and made the purchase the most stress free I have ever had. Josh was very patient answering any questions and nothing was too much trouble.
  
 
     Posted on Zillow  
   
   tpowel3 
 17 March 2018
 
 
 Verified Fantastic Loan ConsultantFantastic Loan Consultant My wife and I purchased a new construction home back in September and thankfully we had Josh there to help us through the entire process. Not only did Josh bring a wealth of knowledge regarding the loan process, he helped guide us through the entire construction period and final purchase of the home. We are very satisfied with the loan he provided us and his constant follow up to make sure all of our needs were taken care of. I would highly recommend Josh for any of your mortgage/loan needs.
  
 
     Posted on Zillow  
   
   rblacklow 
 16 March 2018
 
 
 Verified Personal Care CountsPersonal Care Counts Joshua David took the time to do the meticulous research that I didn't have either the time nor the expertise to do. That's exactly what we needed. Life is chaotic enough with moving, so it was good to have a port in the storm.
  
 
     Posted on Zillow  
   
   Neil 
 15 March 2018
 
 
 Verified Quick and Easy RefinanceQuick and Easy Refinance Josh helped us refinance our current mortgage into a 15-year mortgage at a lower interest rate.  We have refinanced with him before and it is always easy and stress-free.
  
 
     Posted on Zillow  
   
   Eve Conant 
 15 March 2018
 
 
 Verified Warm, Professional, and always reachableWarm, Professional, and always reachable I had no idea I would get to know, and very much like, our loan officer when we purchased our home. Joshua got us the best deal possible, and was personable and a pleasure to work with as well. He seems to be someone agents know about, respect, and call on to close deals that will make their clients happy. Would definitely recommend to others.
  
 
     Posted on Zillow  
   
   DrewMueller21 
 15 March 2018
 
 
 Verified Home Buying made easyHome Buying made easy Mr. David was honest and thorough during the entire Home buying process.    My Wife and I were shopping for our first home and on more then one occasion felt overwhelmed.   Mr. David was a godsend,  he walked us through the process, STEP by STEP.   I not only highly recommend him but I truly can't imagine looking for a new home without first meeting with him.
  
 
     Posted on Zillow  
   
   Joe 
 15 March 2018
 
 
 Verified Always acted with our best interest in mindAlways acted with our best interest in mind Josh was a fantastic lending agent, from our first conversation through closing and beyond (he is still very responsive and helpful to random questions we have from time to time).  Josh went above and beyond when at the 11th hour on the eve of closing a discrepancy came up with seller's closing credit, Josh cleared with his management and secured for us the extra money we thought was locked in for us.  He is incredibly knowledgeable about mortgage products and always available to talk through the big decisions.  Highly recommended!

Blog Posts

Maryland Homebuyers Advantage: Down Payment Assistance + Low Interest

Maryland Homebuyers Advantage: Down Payment Assistance + Low Interest Embarking on the path to homeownership marks a pivotal, thrilling moment.

Unclaimed Money Alert: Could Cash Be Waiting For You?

Unclaimed Money Alert: Could Cash Be Waiting For You? Did you know that there might be a treasure

Understanding the Tax Advantages of Homeownership with Vellum Mortgage

Discover the Tax Advantages of Homeownership with Vellum Mortgage Exploring the world of homeownership unveils a variety of

Gain Confidence & Feel Secure

Verified by Vellum is being fully educated on the mortgage process and knowing which options best suit your needs.

Increase Negotiating Power

Being Verified by Vellum provides security to the seller when presenting an offer. With no concerns about your ability to purchase the home, your offer will stand out amongst the others.

Enjoy a Faster Closing Period

Being Verified by Vellum may allow you to close in as few as 8 days. A quick closing can sometimes be the difference in your offer being selected.

Let’s Get Started Financing Your Home

You’re so close to being a homeowner or refinancing to meet your financial goals. Let’s do this!

Get Started

Josh David

Josh David

Josh David

The Josh David Team

Testimonials

Blog Posts

Maryland Homebuyers Advantage: Down Payment Assistance + Low Interest

Unclaimed Money Alert: Could Cash Be Waiting For You?

Understanding the Tax Advantages of Homeownership with Vellum Mortgage

Gain Confidence & Feel Secure

Increase Negotiating Power

Enjoy a Faster Closing Period

Vellum Mortgage, Inc. | NMLS ID#: 1657323
(www.nmlsconsumeraccess.org)

Vellum Mortgage, Inc. | NMLS ID#: 1657323
For licensing information, go to: (www.nmlsconsumeraccess.org)

Josh David

Josh David

Josh David

The Josh David Team

Testimonials

Blog Posts

Maryland Homebuyers Advantage: Down Payment Assistance + Low Interest

Unclaimed Money Alert: Could Cash Be Waiting For You?

Understanding the Tax Advantages of Homeownership with Vellum Mortgage

Gain Confidence & Feel Secure

Increase Negotiating Power

Enjoy a Faster Closing Period

Vellum Mortgage, Inc. | NMLS ID#: 1657323 (www.nmlsconsumeraccess.org)

Vellum Mortgage, Inc. | NMLS ID#: 1657323 For licensing information, go to: (www.nmlsconsumeraccess.org)

Vellum Mortgage, Inc. | NMLS ID#: 1657323
(www.nmlsconsumeraccess.org)

Vellum Mortgage, Inc. | NMLS ID#: 1657323
For licensing information, go to: (www.nmlsconsumeraccess.org)