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. 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. Josh David | Senior Mortgage Advisor | NMLS ID: 885983 | Vellum Mortgage, Inc. | NMLS ID: 1657323 | Equal Housing Lender (www.nmlsconsumeraccess.org)