"Josh did a phenomenal job interacting with me as his client. He was ALWAYS right on-point and knowledgeable. But more importantly, he possesses the skill sets to explain the landscape in a way that makes sense to someone who doesn’t deal in these transactions every day. Further, he always answers his phone and gets back immediately on requests. My transaction seemed more complex than most, and it had some unexpected surprises, including a significant error from an underwriter which made the transaction even more stressful. Through the entire process, Josh was the voice of reason and the knowledgeable subject matter expert that I needed in my corner to successfully navigate the unexpected surprises. In every way, Josh exceeded my expectations for the service and support he provided on my mortgage transaction. I’ve already referred him to my friend Spencer Cannon, who currently is the only person I know immediately in the market for a home mortgage. But rest assured that when the moment arises, I will certainly refer my friends, colleagues, and associates to Josh for their mortgage loan needs."— Justin Calapp, Ph.D. - Utah