Joseph LaTorre II

Hi, I’m Joseph. I began my career as a personal banker before transitioning to loan origination in 2003. Over the years, I’ve mastered loan program guidelines and pride myself on offering the best advice for your mortgage needs. I take an educational-consultative approach, ensuring you’re informed at every stage of the loan process. I specialize in various purchase loans and have a strong focus on VA loans, which make up about 30% of my business.

At our San Juan Capistrano, CA branch, I’m able to offer clients access to a wide range of loan programs and top-tier service. Backed by America’s #1 Retail Mortgage Lender, I’m committed to delivering a smooth and successful mortgage experience. Because at the end of the day, your satisfaction is the measure of my success.

In my spare time, I enjoy spending time with my wife and pets. I grew up in Naperville, played varsity hockey at Naperville Central, and graduated from Lake Forest College in the top 10% of my class.

Specialties

Purchase
First Time Homebuyers
Referral Partners
Refinance Loans
VA Loans

Joseph’s Testimonials

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Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable.

Purchase or refinance, contact me to learn more.

Start here

Are you dreaming of owning your own home, but it feels impossible to get started? Navigating the homebuying process can be overwhelming, but you're more ready than you think!

We guide you every step of the way – simplifying the process and shaping your homebuying power, so you feel confident all the way home.

Let's get started

Published on Sep 18, 2024

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Learn how the 2024 Fed rate cuts could affect mortgage rates. Explore opportunities for homebuyers and homeowners to benefit from lower interest rates.
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Mortgage Rates: How To Prepare For A Drop

Prepare for future rate drops with our guide on mortgage rates. Learn how to improve your credit, save for a down payment, and explore loan options to get ready.
Published on Aug 8, 2024

What is the Average Down Payment on a House?

Curious what the average down payment is on a house? Learn how factors like home price, loan type, and location influence what you need to save in this guide.
Published on Aug 6, 2024

What Is A Home Equity Line Of Credit (HELOC)?

Explore how a Home Equity Line of Credit (HELOC) can fund major expenses and learn about the application process, interest rates, and the pros and cons.

Helping your home financing process go smoothly.

Resources

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.

What Our Clients Say

Joseph is great at his job. He knows the mortgage industry, application writing and the needs of underwriting. He often worked late at night to move the application process forward to the max. I would recommend him to others, without reservation.
Olen Y.

Where do I even start we decided to sell our home and our real estate agent suggested we use CrossCountry mortgage as our lender and put me in touch with Joseph Latorre . All I can say is WOW. Joseph has gone above and beyond my expectations from day one I don't even know where to start he walked us trough every step of the process perfectly and put us at ease so the whole process never got overwhelming. If I had a question Joseph answered the phone no matter what time it was and had answers for me I'mediately. This is the 3 home I have bought and by far the smoothest experience of the 3. If I couldn't figure something out Joseph was on it and figured it out for me he also got my closing date moved up by 10 days so we got to move in sooner than expected. But don't let me forget to mention his team at CrossCountry mortgage they are exceptional as well. By the time this experience was over (extremely fast experience probably 6 weeks max from start to finish) I felt like Joseph was a close family friend. I will definitely be using CrossCountry again for all my home fundings in the future.
JI'mie P.

A Fun, Consultative Experience! CA My wife and I used Joseph's lending service forour initial home purchase in 2016 and we recently refinanced our home this month (Nov. 2019). We are millennials and this is our first home purchase and refinance. The reason why we cared so much to stick with Joseph was because of how genuine and informative he was. He went out of his way to help us close on our first home by guiding us step by step. The rates he presented were as competitive as they get as we compared to a couple other reputable fI'ms. You will not be wasting your time utilizing Joseph's services. We plan to continue to use him for our future real estate needs.
Tim E.

Joe LaTorre was an efficient, detailed and expert loan officer. He took the time to explore options and explain the differences. Every step of the way, Joe was readily available and made the process easily manageable. Joe LaTorre and CrossCountry Mortgage provided an incredibly fast and painless experience. They make a great direct lender team!
Steven B.

Joe LaTorre was fantastic to work with. Throughout the entire loan process he kept us informed and provided sound information. He always had a positive and motivating attitude and his knowledge and experience in this field is remarkable. It was a pleasure to work with him and CC Mortgage. We highly recommend this company!
Gina L.

Joseph LaTorre and his team were extremely helpful and patient through my first time purchasing a house. Joseph was thorough and knowledgeable and took his time to walk me and fiancé through all the paperwork. I recommend and will use CrossCountry Mortgage in the future.
Ruth S.

Joseph was with us since day 1. He made it easy and he was always there, just one text or call and he would reply to all our questions and explain in detail the options. Can't ask for anything more. Thank you so much.
Marlito C.

Loan Officer

NMLS #1015189

Adress

31351 Rancho Viejo Road, Suite 204 & 205
San Juan Capistrano, CA 92675

Contact Methods

Email: [email protected]
tel Phone: 949-242-0751
mobile Mobile: (949) 981-2017
fax Fax: 949-339-2884

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