Education and knowledge are at the very foundation of Josh’s career. His sole focus is to become more valuable to those he serves through better knowledge and skills. Here is a list of several trade associations to which he is subscribed costing more than $4000 annually.
* The Loan Toolbox http://www.loantoolbox.com
This source is the most comprehensive and effective resource available for a mortgage originator providing foundational knowledge, a community of other lenders nationwide, up-to-date news, presentation tools to clarify the complex mortgage options for the consumer, etc.
* The Mortgage Market Guide http://www.mortgagemarketguide.com
This is an incredibly educational website providing real-time mortgage bond price quotes and other breaking news. This is a true “financials” website.
* Certified Scripts for Success http://www.certifiedscripts.com/
A sister website to those above, this one provides a greater understanding of the WHY behind the market and trends as one listens to and understudies the market guru, Jim McMahan of Texas (not the Quarterback).
* The Mortgage Coach http://www.mortgagecoach.com/
A software and strategy provider produced by a community of the best mortgage originators in the country. The software is designed to provide the necessary analysis good loan officers want to provide to clients, but couldn’t otherwise accurately or effectively perform.
* Other miscellaneous trade magazines and websites that vary with time
In addition to the above, Josh spends no less than 10 hours/week studying various topics such as lending guidelines, banks’ portfolios, real estate and mortgage rate trends, conference calls by mortgage market experts, etc.
The mortgage licensing standards also require certain topics to be taught by certified instructors on specific topics. Some of those on record are below.
April 11, 2013 Utah Lien Rights & State Construction Registry 2 hours
Jan-Oct, 2012 8 Hours of Continuing Education including Law, Ethics, and Skills
Aug 23, 2011 Federal Law Update 3 hours
Apr 28, 2011 Gathering the Facts on Mortgage Fraud 1 hour
Apr 18, 2011 Analyzing the Fair Credit Reporting Act 1 hour
Apr 13, 2011 Ethics 2 hours
Nov 17, 2010 Regulations, Who Needs Them? (Core-Law) 3 hours
Nov 10, 2010 Passed the new federally regulated and mandated S.A.F.E. Exam with a 94% N/A
Nov 4, 2010 Demystifying Credit (Elective) 2 hours
Nov 4, 2010 Forgery Fraud In Mortgage Transactions (Core-Law) 1 hour
June 17, 2010 Utah Law & The New NMLS System (Core) 3 hours
Dec 30, 2009 Ethics & Fraud Prevention (Core) 2 hours
Dec 30, 2009 Utah And Federal Law (Core-Law) 1 hour
May 8, 2009 FHA-Keeping Current (Core-Law) 1 hour
Mar 4, 2009 Seller Financing 1 hour
Mar 4, 2009 Short Sales 1 hour
Feb 12, 2009 Title Insurance-What Is And Is Not Covered 2 hours
Jan 16, 2009 State & National Legislative Update (Core-Law) 1 hour
June 12, 2008 Understanding 1031 Tax-Deferred Exchanges 2 hours
Mar 12, 2008 Understanding All Credit Score Models And Reason Codes 4 hours
Jan 17, 2008 Introduction To Guaranteed Rural Housing Loans for Mortgage Professionals 1 hour
Jan 06-Dec 07 Various Courses Similar To Those Listed Above 15 hours
Jan 04-Dec 06 Various Courses Similar To Those Listed Above 14 hours
Dec 31, 2003 Studied For And Passed The State Licensing Exam On First Attempt 20 hours
June 2003 Accepted Job Offer To Originate Mortgage Loans for New Freedom Mortgage, Named Production Leader After 90 Days
Joshua also received the President's Club Award in 2012, Top Producing Loan Officer of the Year for 2012, and Circle of Excellence award for 2011 at Republic Mortgage. He's been the recipient of many Million Dollar Club Awards, and multiple other Certificates of Achievement including “2009 Top Producer” in the Nations Lending Group Salt Lake Office.
And last but not least, Josh is the proud father of 4 of the greatest kids in this world! As you can see they're really great looking kids. They get that from their mother of whom Josh is most proud; his bride since 2002, Tatiana is one of the most incredible women in this world. Just ask Josh.