Josh Borba

Before anything else, I'm a dad, dog owner, runner, and someone who believes life is about more than work. I value family, freedom, honesty, a good sense of humor, and making the most of the time we have.

I've been in the mortgage industry since 2002, and I'm the owner and president of ZYNG Mortgage. Over the years, I've helped people buy homes, refinance, invest in real estate, and make smarter decisions about their home equity as they approach retirement.

One thing I've learned? Mortgages don't have to be as complicated as this industry makes them.

Whether you're buying your first home, exploring a reverse mortgage, growing a real estate portfolio, or helping clients plan for retirement, my goal is the same: make the complicated simple, give you straight answers, and help you make decisions that actually fit your life.

I also work closely with financial advisors, helping them recognize how home equity can play a meaningful role in retirement planning. It's often one of the largest assets someone owns, yet one of the most overlooked.

I'm a big believer in doing the right thing, taking ownership, continually growing, and putting people ahead of profits. Sometimes that means helping someone get a mortgage. Other times, it means telling them why they shouldn't.

At the end of the day, I'm not here to sell you a loan. I'm here to help you understand your options and make a decision you can feel good about.

Because the right mortgage isn't just about the numbers. It's about what those numbers make possible.