Driven Mortgage Consultant specializing in tailored home financing solutions. Josh thrives on building trust-based relationships, guiding clients through complex mortgage processes with clarity and expertise. He excels at navigating atypical lending scenarios, leveraging Cardinal Financial's diverse loan portfolio to secure optimal financing. A Towson University and University of Maryland, University College (MBA) graduate, Josh brings dedication and a results-oriented approach to Downs Capital. Outside of work, he enjoys family time, golf, and reading. Let Josh help you achieve your homeownership dreams.