Josh Is our #1 recommended lender for The Vincent Morris Team & Pacific Sotheby's International Realty. He is personable, trustworthy, and available 24/7. He always meets or exceded the timelines given and his price can't be beat. All of our clients have nothing but great things to say about Josh and his team. He goes above and beyond, I cant recommend him enough!
- Suzy S.

Super friendly and excellent service. They have fast turn-around and great rates. Highly recommended.
Thank you!
- Jonh T.

Josh is our #1 recommended lender for our Walton/Williamson team at Pacific Sotheby's International Realty. He always under promises and over delivers! His team provides personal and concise service to both clients and agents. His knowledge and expertise of the VA loan process can not be beat. We highly recommend to all agents and Buyers! Josh's strong points are communication, honesty and integrity. Once again, we thank you Josh and team!
- Lynn W

Josh and his team are as good as it gets! He goes above and beyond for his clients, works hard, is super responsive, knowledgeable and an overall joy to work with. I highly recommend him - he will not disappoint!
-Renee G.

Josh is my go-to lender for myself and my clients.  As a REALTOR, I have always referred Josh to all my buyers and I recently used him for my own purchase this year, so I have a well-rounded perspective of what he has to offer.  My buyers and I have been thrilled with Josh for a number of reasons.  He is always positive, understanding, patient, and responsive.  Josh works hard and knows his stuff.  He has great programs to choose from and exceptional rates.  If there is ever anything he is not sure about, Josh will find the answer for you.  He really stands out above the other lenders in that he does not mind taking the time to explain the process and nuances of lending to a layperson.  He never talks down to myself or my clients, who generally are very unfamiliar with how lending works.  He takes the time to meet with everyone at their choice of convenient location or over the phone on whatever day works best for them, even if it is on a weekend - he works how YOU want to work and is very flexible.  I HIGHLY recommend Josh - you will be happy working
with him!
-Hillari S.

Josh could not have been more helpful, prompt, and professional throughout the loan process. He went above and beyond meeting with me at my home. He communicated every detail of my loan clearly with all parties involved and even gave his valuable personal advice at times. He was always prompt in returning communications, always friendly, and always double checking things to ensure everything went smoothly.
-Kim J.

I met with Josh yesterday about seeking a home loan, and he couldn't have been nicer, more personable, or more awesome. I believe I have finally found someone whom I can comfortably work with.
Josh, thank you! On behalf of myself and my family.
Cheers!
-Yashar A.

Josh and his team were absolutely amazing! They made sure we always understood what everything meant which documents were "working in progress" and which were final documents. We were previously working with another mortgage broker who did not at all make us feel this way. We are so glad we terminated and engagement and found PGS Home Loans! This comment cannot go without mention that when things got tough and fast with our Lender PGS was there to fight on our behalf and make sure that everything was done to close right on time! We owe it all to your team to getting us to the finish line :)
- Crystal C.

Josh and team were amazing, thank you for getting us into our first home!
- Ryan H.

Josh and his team were awesome to work with. They are very knowledgeable, organized and professional, which made my loan application and approval process worry-free. Josh shared a lot of good information with me prior to my application, patiently walked me through the loan process and laid out pros /cons with each options, which helped me tremendously with my decision making down the road. He worked with my realtor- Roxy Lambert (who is awesome, look her up!) and kept me updated each step of the way. Moreover, after my loan's closed Josh scheduled a post-closing call with me to review important details that could easily be neglected. Josh and his team are a great example of what great customer service should be like. I would highly recommend Josh to anyone looking for financing or refinancing in San Diego!
- Yini W.

Josh and his team made it extremely easy to understand the complexities of buying a new home. We were so impressed not only with their expediency but also Josh's ability to explain the financial information to us so clearly. We will recommend his business to all of our friends and family. So very much appreciated!
- Elisabeth C.

Josh was so incredibly helpful in making our first home purchase. From start to finish he went the extra mile to make us feel comfortable about the process and make sure we knew all of our options. I asked many silly questions and he never once made me feel bad for asking. Thank you Josh!!
- Kate