Headshot of Joe Smith

Joe Smith

Branch Manager / SVP

The Joe Smith Team

NMLS #481139

Adress
585 Tremont Street
Boston, MA 02118
Contact Methods
Email
tel Phone
617-236-1555
mobile Mobile
(617) 308-3337
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Awards

Scotsman Guide 2024 Top Originator Award
Inc. 5000
Top Work Places
United States Veteran badge
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Joe

Hi, I'm Joe. When you work with my team and me at our Boston, MA branch of America’s #1 Retail Mortgage Lender, we’ll guide you through your home loan journey. For over 29 years, I’ve helped clients get the right mortgage for their needs. That starts with listening to your specific circumstances, providing information on every aspect of the home financing process, and discussing each program available.

Whether conventional or jumbo, FHA or VA, we’ll find the right loan to make your dreams a reality. From applying to receiving your keys or completing your refinance, I’ll be there to support you. You’ll receive continuous updates on your loan, and I’ll be available to answer your questions, too.

When I head home for the day, I look forward to spending time with my partner Scott and our two sons, Ayden and Owen. I’m proud to devote a portion of my commissions to the following charities:

  • Bridge Over Troubled Water
  • The Trevor Project
  • Victory Programs
  • Community Servings
  • Community Research Initiative of New England
  • GLAD

Specialties

  • 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.

CCM Equity Express, is fast, secure, and fully automated. A few minutes to apply, a few days to get your funds. That's all it takes.

The kitchen of a new homeowner

Buying now means saving later

 

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line.

Contact Us
*For full terms and conditions, visit ccm.com/buynowrefilater.

A homeowner and child waving goodbye to mortgage insurance with Bye-Bye PMI

Save on your mortgage every month

Say Bye-Bye PMI

 

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI).

CCM Bye-Bye PMI offers qualified borrowers a conventional mortgage for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

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Recent Posts and Articles

Blog

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.

Resources

  • The Mortgage Process

    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

    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

    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

    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.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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