Joe is a Senior Loan Officer with over 25 years’ experience successfully funding home loans. Joe has a fully equipped office in his home, is proficient at all aspects of Home Loan Origination and Processing. From obtaining the required documentation to running the Automated Underwriting System, be it Fannie Mae’s DU, Freddy Mac’s LP or The FHA Total Score Card, Joe knows how to get a loan approved Fast.
Joe is Excellent at VA Home loan lending. Joe is a member of The American GI Forum and through this and other VA Organizations and Events has closed his share Purchase and Refinance loan for our veterans.
Joe has a friendly non-threatening way of explaining all aspects of the home loan process. You will know how much your monthly payment will be and how much money you need to close escrow.
Real Estate Brokers have told Joe they have “Never Heard another Realtor talk about the strategy Joe talks about let alone another loan officer.”
Joe’s strategy for home ownership is unparalleled. You will not get this kind of strategy/education from a Realtor, Loan Officer or Financial Planner.
Joe knows which lenders are lending money. For example, some lenders are strong at the credit challenged borrower or strong when a co-borrower is needed or when there is a unpermitted room add on or when you must close escrow in two weeks. It is this knowledge that really comes into play when picking a Loan Officer to help you or your clients. The days of easy money are long gone, no more only needing to know a FICO score. Today’s loan officer needs to know their guidelines, the loan programs, the lenders, the property types and How to Escrow Close on time.
In every business there is someone who makes things happen, in the mortgage business, Joe Armenta is the one who makes loans happen!
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