Downs Mortgage Group

As a first time home buyer, I compared several lenders before choosing Josh and the Vellum team - they stood out by securing the best interest rates in the market for me and also had been highly recommended to me by a trusted realtor friend. I couldn’t be happier with my decision! From start to finish (and even over the holidays), they were professional, patient, highly skilled, and incredibly thorough, answering all of my questions and guiding me through every step. Josh’s extensive knowledge, responsiveness, and genuine care made the process unbelievably smooth and stress-free. I would highly recommend him, John, and Vicki to anyone looking for a lender team that is exceptional in what they do, and truly go above and beyond.

John Downs and his team are outstanding. After speaking with five other lenders, John was the clear choice – he's remarkably responsive, patient, and knowledgeable about both the local market and broader rate environment. Just as importantly, he took the time to explain every step and made the process feel easy. Save yourself some time and give John a call!

Fantastic experience from start to finish. The team at Downs Mortgage Group was responsive, clear, and genuinely helpful throughout the whole process. They kept everything moving, explained each step in plain English, and made what could’ve been stressful feel totally manageable. Highly recommend.

Josh at Vellum Mortgage was amazing! He was great to work with through the entire process! Josh was always available to answer questions and smooth out any issues! I will definitely be using him again in the future!

Josh Brawer handled two of my loans and was excellent! Both went smoothly and he communicated with us every step of the way! His rates were also lower than any other company we checked.