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Meet Our Team

What we do and who we are!

Josh Veldman
Branch Manager / Mortgage Loan Originator

NMLS ID: 1010412
Josh is a West Michigan native and is committed to community growth and support. For almost a decade, he served clients at one of Michigan’s largest financial institutions. Utilizing the knowledge gained from this experience and a desire to operate a customer centric mortgage group in West Michigan, he launched Nest Mortgage Group of Michigan, an extension of Nest Mortgage Group, in January 2020. Josh is licensed in Michigan and Indiana. He believes a streamlined loan approach and that customer care are the core components to empower you at the closing table. Between retrieving phone calls and emails, Josh enjoys spending time with his wife, Stephanie, and two kids, Braxton and Adelynn. You can also find him enjoying the outdoors, watching sports or hanging out with friends.

Justin Rutkowski
Mortgage Loan Originator

NMLS ID: 1489431
Justin Rutkowski and his wife Chloe moved to Grand Rapids from a small town in northern Michigan in 2014 on a whim and have enjoyed every minute of it. They have two small kiddos, Claire and Josephine, a dog Maggie and a cat named Coconut. After working a couple oddball sales jobs after moving, Justin landed a job in the banking industry where he spent the next five years. He enjoyed it but I grew increasingly frustrated seeing customers treated like just a number and not like friends or family. After Justin bumped into Josh and conversed about the start-up of Nest Mortgage, Justin wanted to be a part of it! Justin enjoys working with all the amazing people in West Michigan, the East Side, Up North, Indiana and even Florida. Just enjoys that the clients and realtors he's worked with end up becoming close friends. Outside of spending time with Chloe and the kids, Justin enjoys almost all sports related things, especially football and baseball. He plays piano in his church’s worship band, and runs a podcast organization called The Rutkowski Podcast Network with two published shows and another on the way!

Get In Touch

We would love to hear from you and answer any questions you may have!