Joining a small mortgage brokerage office, Josh immediately became the top producer and due to his level of volume made the decision to open his own firm in 2006. His firm PHM was a leader in the central New Jersey mortgage banking market and over the period of time from 2006 to 2009, Josh developed innovative marketing systems and platforms that consistently placed him and the top of the mortgage originators within New Jersey.
The key to Josh's success is the constant pursuit and delivery of creating value for his clients. Both Realtors and clients benefit in ways greater than just providing mortgage solutions. "I see my role as a creator of opportunities for those I work with", states Josh.
The foundation of Josh's approach is to couple education and opportunity together. Purchasing and refinancing a home are not frequent events. Regardless of ones income level, people generally do not understand the process and are left too often make decisions that may not meet their short and long term needs. Josh's business model is to help in the decision process by providing all those connected with the transaction, with an education that cannot be matched. Clients, Realtors, attorneys, financial planners, all feel better about the experience, which in turn breeds happiness. Happiness, while not often heard of in the mortgage business, is what Josh strives for.