Headshot of Josh Chernes

Josh Chernes

Branch Manager

Delray Beach, FL Mortgage Lender

NMLS #1031657

900 NW 17th Avenue, Unit 202
Delray Beach, FL 33445
Contact Methods
tel Phone
mobile Mobile
(203) 814-8230
fax Fax


About Josh

Joshua's VIP Perks

Click Here to Learn More

In 2013, a good friend who had been in the mortgage industry for years asked me to work with him. I was immediately hooked! I love being on the sales floor and playing a part in a client’s home purchase or refinance success. From day one, I felt this was a job where I could make a difference – and that has been true throughout my nearly 10-year career.

Home financing is about more than just interest rates. It’s about communication and listening to your goals and priorities. My team and I will take the time to understand your circumstances to help put together the best options for your family’s dreams. From application to closing, you can trust us to get it done.

My consideration for you doesn’t end after finding a mortgage. I’ll always be available to answer your questions and concerns, meet your changing needs, and find a way to fix any downturns you may face. I look forward to being your home financing partner for life!

I grew up in Fairfield, Connecticut, which was a great town. We were close to the beach and able to eat in amazing restaurants. Now, live in Jupiter, Florida, with my amazing wife and two little boys. I spend my free time with family, at the beautiful beach, and golfing.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 475-359-8903