Headshot of Bob Joyce

Bob Joyce

Senior Loan Officer

Palermo & Carucci Team

NMLS #196322

Adress
99 Rosewood Drive Suite 225
Danvers, MA 01923
Contact Methods
Email
tel Phone
978-226-6147
mobile Mobile
(617) 365-9432
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Bob

Thank you for taking the time to get to know me and my team a little better. As a loan officer on the Jeff Palermo Team here at Cross Country Mortgage, I am proud that our team has been ranked in top 1% nationwide for the past 7 years by Mortgage Originator Magazine. A key reason for our success is that we have our own dedicated processor, as well as 3 underwriters located directly in our branch. This gives us the ability to close loans in 21 days or less. Having a team of 7 people, you can rest assure that we will handle your loan with the utmost care throughout the process. We provide Conventional, Jumbo, FHA, VA, USDA and MA Housing Financing. I am licensed in MA, ME, NH, CT and FL.

My goal is to provide you with the highest level of service so when your friends, family or co-workers are looking for a loan, you will gladly send them my way.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • Garden featuring a mix of flowers that flourish in the homeowners plating zone.
    Published on

    What Planting Zone Am I In?

    Find your USDA Plant Hardiness Zone to select plants thriving in your climate. Explore plating zones from Alaska to Puerto Rico for a flourishing garden.

  • Father and daughter stand outside of their new home
    Published on

    What Is A Lender Credit?

    Discover how lender credits can ease your homebuying journey by covering closing costs. Learn their benefits, drawbacks, and how they impact your mortgage.

  • Home buyer Family sits around together on couch in their new home.
    Published on

    National Association of Realtors Profile of Home Buyers and Sellers

    Discover insights from the National Association of Realtors 2023 Home Buyers and Sellers Profile: trends, data, and analysis for the real estate industry.

  • Lawn mower cutting grass following a homeowners annual lawn care schedule.
    Published on

    Lawn Care Schedule

    Optimize your lawn's health and beauty year-round with our free printable PDF lawn care schedule. From spring growth to winter prep, we've got you covered!

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.

What Our Clients Say

Really great service and explanation of the whole loan/home buying process. Bob and the team delivered excellent service that made it a very enjoyable process.
Andrinanda H.
Robert worked with us over many different options on how to buy our condo. We appreciate his willingness to listen and come up with valuable solutions for us. It was a long process and Robert was patient all the way through.
Emily R.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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