Headshot of Joseph LaTorre

Joseph LaTorre

Loan Officer

Team LaTorre

NMLS #1015189

31351 Rancho Viejo Road, Suite 204 & 205
San Juan Capistrano, CA 92675
Contact Methods
tel Phone
mobile Mobile
(949) 981-2017
fax Fax


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.


  • Purchase
  • First Time Homebuyers
  • Referral Partners
  • Refinance Loans
  • VA Loans
Veteran embraced by family after coming home to a house purchased using a VA loan.

Come home
with a VA Loan

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.

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First-time homebuyers and their family celebrating in their new home

Buying your first home is possible

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.

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Recent Posts and Articles


Helping your home financing process go smoothly.


  • 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

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