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I grew up and continue to live in the Shoreham Wading River community with my wife Dani and our four children—Benjamin, Colin, Sean, and Lana. When I’m not working with clients, I enjoy spending time with family by the pool, hosting BBQs, and watching baseball and football. Our home is always lively with our two dogs, Daisy (a Dalmatian) and Tilly (a Shichon).
With over 20 years in the mortgage industry, my focus has always been simple: helping clients find the best financing solutions and giving them a competitive edge in today’s market. I take pride in listening closely to my clients’ goals and guiding them into the program that best fits their needs. One of the ways I help buyers stand out is through programs like AnnieMac’s Cash Offer, which can allow buyers to waive contingencies such as appraisal, mortgage, and even home sale contingencies—helping strengthen their offer and compete in competitive markets.
Above all, I strive to be someone my clients can count on—someone who is always looking out for their best interests and helping them succeed in achieving their homeownership goals.
Rating: 5.0 out of 5.0 from Encompass Josh always made time to answer even the silliest of questions. He was very communicative and a pleasure to work with! CindyMastic Beach, NY May 27
Josh always made time to answer even the silliest of questions. He was very communicative and a pleasure to work with!
Rating: 5.0 out of 5.0 from Encompass I can't thank Josh and his team enough. They were always just a phone call or text away and kept me updated through every stage of the process. They genuinely cared about finding the best option for our financial situation, and they made the entire experience feel personalized and comfortable. AllisonFarmingdale, NY May 25
I can't thank Josh and his team enough. They were always just a phone call or text away and kept me updated through every stage of the process. They genuinely cared about finding the best option for our financial situation, and they made the entire experience feel personalized and comfortable.
Rating: 5.0 out of 5.0 from Encompass Very responsive. Made it clear what was needed. Worked to get me cleared in a sudden time crunch. JesseRocky Point, NY May 24
Very responsive. Made it clear what was needed. Worked to get me cleared in a sudden time crunch.
Rating: 5.0 out of 5.0 from Encompass Josh and his team helped us buy our dream home. They worked very hard making sure everything went smoothly and that we got the best rate possible. They were quick to answer any questions ans help to explain every detail of the mortgage process. I would highky recommend Josh and his team. I don't think... MichaelGREENPORT, NY Mar 23
Josh and his team helped us buy our dream home. They worked very hard making sure everything went smoothly and that we got the best rate possible. They were quick to answer any questions ans help to explain every detail of the mortgage process. I would highky recommend Josh and his team. I don't think...
Rating: 5.0 out of 5.0 from Encompass Joshua Lisa and Lynda were very accessible they were a great team SalvatoreMattituck, NY Feb 23
Joshua Lisa and Lynda were very accessible they were a great team
Rating: 5.0 out of 5.0 from Encompass I couldn't have asked for a better service. Everyone did all they could to make thing work for me. they put me first. they were great! Best referral I ever had! Thanks RonaldWHEATLEY HEIGHTS, NY Jan 05
I couldn't have asked for a better service. Everyone did all they could to make thing work for me. they put me first. they were great! Best referral I ever had! Thanks
Rating: 5.0 out of 5.0 from Encompass My buyer wanted to go with his mortgage guy at his bank but was out of state. Dealing with a co-op that has many rules that's when I brought in Josh I knew he would get the deal done for my buyer. we couldn't be happier with the service Josh provided. AmberWHEATLEY HEIGHTS, NY Dec 28
My buyer wanted to go with his mortgage guy at his bank but was out of state. Dealing with a co-op that has many rules that's when I brought in Josh I knew he would get the deal done for my buyer. we couldn't be happier with the service Josh provided.
Rating: 5.0 out of 5.0 from Encompass Josh and his team were so helpful throughout the entire process. Everyone was so responsive and knowleedgable! KelseySMITHTOWN, NY Dec 10
Josh and his team were so helpful throughout the entire process. Everyone was so responsive and knowleedgable!
Rating: 5.0 out of 5.0 from Encompass Josh made everything very simple KennethSEAFORD, NY Nov 27
Josh made everything very simple
Rating: 4.8 out of 5.0 from Encompass All my conerns and questions were always answered. Every email was always replied to. Josh and his team made this process very easy . KristinSEAFORD, NY Nov 24
All my conerns and questions were always answered. Every email was always replied to. Josh and his team made this process very easy .
Rating: 5.0 out of 5.0 from Encompass Josh was absolutely awesome to work with. He always made himself available and answered all questions I had clearly and thoroughly. Josh was also really helpful in giving me general advice and guidence which was invaluable as a first time home buyer - I couldn't recommend him enough! Ralph PeterCALVERTON, NY Oct 20
Josh was absolutely awesome to work with. He always made himself available and answered all questions I had clearly and thoroughly. Josh was also really helpful in giving me general advice and guidence which was invaluable as a first time home buyer - I couldn't recommend him enough!
Rating: 5.0 out of 5.0 from Encompass It was smooth sailing! StacieBETHPAGE, NY Oct 17
It was smooth sailing!
Rating: 5.0 out of 5.0 from Encompass Everything about the team! Made everything very clear and easy to understand! GeorgeBETHPAGE, NY Oct 17
Everything about the team! Made everything very clear and easy to understand!
Rating: 5.0 out of 5.0 from Encompass Josh and his team were fantastic! Extremely thorough, great communication, they set us up with an incredibly easy to navigate user friendly app - would highly recommend! DanielleMERRICK, NY Sep 27
Josh and his team were fantastic! Extremely thorough, great communication, they set us up with an incredibly easy to navigate user friendly app - would highly recommend!
Rating: 5.0 out of 5.0 from Encompass my experience with Joshua was better than great His dedication to his clients is unmatched to anything I've ever experienced . He always made himself available when i had a question or concern about my loan he Kept me informed every step of the way his team was very knowledgeable and understanding every ... StephenMerrick, NY Sep 06
my experience with Joshua was better than great His dedication to his clients is unmatched to anything I've ever experienced . He always made himself available when i had a question or concern about my loan he Kept me informed every step of the way his team was very knowledgeable and understanding every ...
Rating: 5.0 out of 5.0 from Encompass Josh snd his team were great! Closed very quickly. Philip A.WADING RIVER, NY Aug 21
Josh snd his team were great! Closed very quickly.
Rating: 5.0 out of 5.0 from Encompass Great easy experience KaylanWADING RIVER, NY Aug 16
Great easy experience
Rating: 5.0 out of 5.0 from Encompass Josh is responsive, professional and knowlegable! Would love to work with him again! JenniferWADING RIVER, NY Aug 10
Josh is responsive, professional and knowlegable! Would love to work with him again!
Rating: 5.0 out of 5.0 from Encompass Great team to work with WilliamBOYNTON BEACH, FL Aug 09
Great team to work with
Rating: 5.0 out of 5.0 from Encompass Josh is amazing! I recommend him highly to all of my potential clients. He gives 100 percent to every transaction, but the most recent client we shared, he went above and beyond. In this case, we spent over a year to finally get our clients to the closing table. Due to circumstances beyond our control, the first deal on the sale of our clients' ... ElizabethJamesport, NY Jul 09
Josh is amazing! I recommend him highly to all of my potential clients. He gives 100 percent to every transaction, but the most recent client we shared, he went above and beyond. In this case, we spent over a year to finally get our clients to the closing table. Due to circumstances beyond our control, the first deal on the sale of our clients' ...
Rating: 5.0 out of 5.0 from Encompass Josh was always available , clear communication , always responded Quickly to any concerns or questions. AaronShoreham, NY Jul 01
Josh was always available , clear communication , always responded Quickly to any concerns or questions.
Rating: 5.0 out of 5.0 from Encompass Josh made the entire process seamless. He was consistently available by phone and always ready to answer any questions with clarity and professionalism. Thank you! Pawel JanWADING RIVER, NY Jun 17
Josh made the entire process seamless. He was consistently available by phone and always ready to answer any questions with clarity and professionalism. Thank you!
Rating: 4.5 out of 5.0 from Encompass I recently worked with Annie Mac to secure a mortgage for my new home, and I couldn’t be more impressed with the entire experience. From start to finish, the team was professional, responsive, and incredibly knowledgeable. They took the time to explain every step of the process, answered all my questions with patience, and made what could have ... SavannahEast Moriches, NY May 28
I recently worked with Annie Mac to secure a mortgage for my new home, and I couldn’t be more impressed with the entire experience. From start to finish, the team was professional, responsive, and incredibly knowledgeable. They took the time to explain every step of the process, answered all my questions with patience, and made what could have ...
Rating: 5.0 out of 5.0 from Encompass It was a pleasure working with Josh. He was responsive, answered all our questions as a first time homebuyer and got us a great deal. FarhadHuntington, NY Mar 24
It was a pleasure working with Josh. He was responsive, answered all our questions as a first time homebuyer and got us a great deal.