America is better when people own homes
Joe Fazzone
-Loan Officer-
NMLS #2703753
☏ (760)834-1676
Joe Fazzone is a licensed loan officer proudly serving homebuyers throughout California. He got his start in real estate back in 2004, working with buyers and sellers during one of the wildest markets we have ever seen.
A few years later he experienced the mortgage roller coaster first hand. His own adjustable-rate mortgage reset sky-high, and when he tried to refinance into a fixed rate loan, he was shocked at how difficult it was to secure a fair, reasonable rate. That personal struggle opened his eyes to how confusing and stressful the lending process can be. That experience changed everything. He left real estate and moved into the mortgage industry full time so he could be on the other side of the table, the one fighting for clients to get the best possible rate and terms, not just pushing whatever makes the bank the most money.
Joe is a big believer that a mortgage should be a tool that helps build wealth and peace of mind. When he is not at his desk running numbers and locking in rates, you’ll find him with his wonderful wife, exercising, or playing golf.
Do I qualify?
To determine if you qualify, lenders review your total monthly debt (proposed housing payment + regular monthly debt) as a percentage of your total gross monthly income. The acceptable percentage (DTI) will vary depending upon the specific loan program for which you apply.
Fast funding,
Hassle-free application.
Terms from 5 to 30 years.
Secure your loan today.
Loan options/types of loans
01
Adjustable-rate mortgage(ARM)
Enjoy a lower interest rate at the beginning of your loan - perfect if you plan to move or refinance within a few years.
02
FHA Loan
Great for buyers with limited savings or lower credit scores. Requires only 3.5% down payment.
04
Jumbo Loan
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA), typically used to finance higher-value or luxury homes in expensive markets.
03
Conventional
This popular option is used by the majority of homebuyers and often provides competitive interest rates, flexible terms, and the potential for lower long-term costs—especially for borrowers with strong credit and solid finances.
Loan options/types of loans
05
FHA Streamline Refinance
Simplified refinancing option for homeowners with an existing FHA-insured mortgage, allowing them to lower their interest rate or monthly payments with reduced paperwork, often no home appraisal, and minimal (or no) credit, income, or employment verification.
06
Cash-Out Refinance
Mortgage refinancing option that replaces your existing home loan with a new, larger one, allowing you to access the difference between the new loan amount and your current mortgage balance as cash at closing, which can be used for any purpose like debt consolidation, home improvements, or major expenses.
08
One+
Buy a home with just 1% down and get a 2% lender grant - available to both first‑time and repeat buyers with a 620+ credit score.
07
DSCR Loan
Approval is based on your property’s rental income covering the mortgage payment(Debt Service Coverage Ratio), making it ideal for real estate investors.
Your Questions, Answered
Why are your rates so low?
I shop 100 lenders. I negotiate. I make less!
What if I find a place I like with a higher price?
Call me while you’re viewing the property. I can give you a real quote in 1 minute and send it to your email while you are still there. Your agent will see you’re serious and you can review all the places you saw with real mortgage numbers at the end of the day.
Why are you different?
Transparent pricing. Real time comparison from over 240 lenders in one place.
