31351 Rancho Viejo Road, Suite 201
San Juan Capistrano, CA 92675
(949) 242-0751 (949) 242-0751
Cell phone
(949) 981-2017 (949) 981-2017
[email protected]
Specializes in
First Time Homebuyers
First Time Homebuyers
Referral Partners
Referral Partners
Refinance Loans
Refinance Loans
VA Loans
VA Loans



About Joseph

Your satisfaction is the measure of my success.

I began my career as a personal banker and moved to loan origination in 2003. Over the years I have mastered loan program guidelines at a level that exceeds most of my peers, so I can give you the best advice on your mortgage. I take an educational-consultative approach and enjoy sharing my knowledge. I’m always available to answer your questions and keep you up to date on your loan’s progress.

I handle many different types of purchase loans and particularly enjoy working with first-time homebuyers. In the last six years, about 30% of my business has been VA loans, so you can be assured I understand the program well.

After growing up in Naperville and playing varsity hockey at Naperville Central High School, I attended Lake Forest College, where I graduated in the top 10% of my class. When I’m not helping my clients, I enjoy spending time with my lovely wife and our pets.


Recent Posts and Articles

  • Is a VA Loan Right for You?

    If you need a mortgage and are a current member of the U.S. Military, a Veteran, or a Surviving Spouse, a VA loan is an option for you.

  • tan house summer weather

    Navigating a Hot Homebuying Market Amid Rising Rates

    Spring and summer are typically strong periods for home sales, and this season may be more competitive than ever. When navigating today’s complex mortgage environment, here are some things to consider based on recent trends.

  • Man on computer

    Purchasing an Investment Property

    Have you ever thought about purchasing an investment property? Investing in real estate is becoming increasingly common and it is apparent why.

  • What is an FHA Loan?

    An FHA loan is a loan from the Federal Housing Administration. It is designed to be a loan for the people that the average American can take advantage of.  The FHA loan is not very score conscious and has some guidelines that are a little less stringent than most other loans.

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.

  • 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.

What Our Clients Say

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