About Josh

Josh Blair,

Branch Manager

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Josh Blair entered the mortgage business in July of 2001. His initial goal was to become a real estate investor using his knowledge gained from the mortgage financing side. In just two years Josh amassed over 20 properties and developed a cash flow from investment properties that supported, not only the debt service on his real estate, but allowed him to continue to reinvest in his business. With an acute understanding of the real estate business, Josh leveraged that knowledge in the mortgage origination business.
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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.

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Buying a home should be one of life's great moments. Creating a happy customer is not just an idea, it is a tangible result that Josh strives to achieve on every transaction. Josh’s biggest passion and drive today is still the same, helping others achieve their personal goals and dreams. Josh comments, "The mortgage industry has undergone huge changes, never before has there been a bigger need in helping families buy or sell. Buying and selling a home is one of the most important financial decisions in a person’s life and so is choosing the best financial representative. The choices one makes through this process will last for years and can have dramatic financial effects." Josh knows this first hand and is committed to helping everyone he knows.

When asked, “What is your #1 favorite pastime or thing to do? “ Without hesitation he answers, “Spending time with my family." Josh is married with two children and currently resides is Toms River, New Jersey. Josh's mission is to set a high standard in the mortgage industry. Josh is committed to providing a high quality customer service experience, putting the people he serves first.

Take advantage of Josh's expertise in the residential lending industry. You will find that the skill, professionalism, and consideration he gives to each of his clients is what will make getting your loan a successful endeavor.