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" Josh Kohl is very efficient,effective and professional. And he's great
to work with
as well."
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L. Koury Sr Loan Processor.
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"I can always count on Josh to handle clients quickly and professionally - even on weekends. His commitment to personal service is greatly appreciated and my clients always comment on his ability to make them feel good about the loan programs he finds for them."
- E. Oliver Access Reality
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About Me:
The mortgage business is what I have been deeply involved with and passionate for over 6 years. I have shared my work experience with two great mortgage brokerage companies and now I am currently employed by one of the most product and service balanced banks in the country, AmCap Mortgage. Below is a brief list of items which sets Amcap Mortgage apart from most banks operating in the U.S.
- Scenario Desk – answers to all underwriting questions and scenarios without having to pour through pages of guidelines or call Fannie Mae
- Own Appraisal Ordering Process (do not use an AVM)
- Fast Underwriting Turn-Times normally 2-3 days
- In-House Closer to ensure closing go smoothly
- Extension Policy
- Re-negotiation Policy
- Broker Out for Product Program
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- Marketing to Help Realtors
- Full product line for Condos including Jumbo, FHA, Conventional and VA
- Instant Access to Underwriting Staff
- 24 hour Closing Documents
- Same Day Fundings
- In-House processing to ensure no time is lost throughout the transaction
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AmCap Mortgage
A truly great mortgage bank with an experienced and professional staff. AmCap Mortgage has the entire operation center based out of one office which makes transactions flow smoothly until closing. With a Because we control the entire process, there are limited surprises for our loan officers, borrowers and banking partners. With a wide arrange of products coupled with great service, AmCap can guarantee a great product and a happy client.
Envoy Mortgage
First Houston Mortgage, Ltd. was renamed Envoy Mortgage, Ltd in October of 2008. Envoy Mortgage is a Mortgage Bank with an incredibly experienced staff offering expertise in all areas of mortgage lending. As a mortgage bank, Envoy Mortgage controls the entire loan process from the initial application all the way through the delivery of the loan into the secondary market.
We are able to ensure an accurate and faster closing process because each step occurs in-house – processing, underwriting, closing, funding, shipping and secondary marketing.
Envoy Mortgage has direct endorsement authority from the Federal National Mortgage Association (also known as “Fannie Mae”) as well as the Federal Housing Administration (also known as “FHA”).
American Homefront Mortgage
In the mortgage business it is hard to find genuine and honest owners and American Homefront had this. When the option of brokering out mortgages became less efficient and more painful, American Homefront merged with Envoy Mortgage of Houston, TX
Mortgages Direct
Based in Houston with offices all over Texas Mortgages direct offered an ideal atmosphere for the near beginning of my career.
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Josh Kohl, whose license number is 57312, IS LICENSED UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT FORM TO THE TEXAS SAVINGS AND LOAN DEPARTMENT, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEB SITE LOCATED AT