With over two decades in the mortgage industry, Josh brings a wealth of experience, insight, and steady leadership to his role as Vice President and Loan Officer at Coast Home Loans. Known for his calm confidence and deep knowledge of loan products, Josh has helped countless families navigate the home financing process, turning “just browsing” into “keys in hand.”
His expertise goes far beyond rates and applications. Josh is a trusted guide, tailoring each loan solution to fit his clients’ unique goals and financial story. Whether it’s a first home, a dream upgrade, or an investment property, he’s committed to making the process smooth, stress-free, and successful.
Josh is also a dedicated mentor, empowering fellow loan officers to grow their confidence, sharpen their skills, and achieve lasting success in the industry. He believes in building not just strong pipelines, but strong people.
A proud supporter of community outreach, Josh is the kind of guy who shows up for clients, for his team, and for the causes that matter. When he’s not closing loans or coaching colleagues, you’ll find him soaking up time with family and friends… or soaking up sunshine on the golf course.
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
