Headshot of Joseph Falla

Joseph Falla

Loan Officer

North Bergen, NJ Mortgage Lender

NMLS #1925079

7520 Bergenline Ave
North Bergen, NJ 07047
tel Phone
(908) 669-9091
cellphone Cell phone
(212) 380-6863
fax Fax


About Joseph

I know how essential it is to have a mortgage consultant who understands the industry and listens to your needs. I have extensive knowledge of the local markets, a passion for helping people, and am dedicated to providing exceptional service.

Whether you’re in the market to purchase a new home, or looking to refinance an existing loan, I’m here to help you find the home financing that’s right for you. I’ll work with you to develop a personalized plan that fits your financial needs and dreams. No matter your situation or goal, I do it all. I offer a wide range of loan options, such as conventional, FHA, VA, and USDA mortgages, and can provide financing for self-employed individuals without the use of tax returns. I’m committed to giving you a stress-free lending experience and helping you secure your dream home.

My consideration for you doesn’t end after finding a mortgage. From pre-approval to closing and into the future, I will always answer your questions and make sure your home loan continues to meet your changing circumstances. I look forward to starting your home financing journey.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

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.

Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • 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.

  • 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.

  • 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.

  • 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 (908) 669-9091