Our Process
What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Client Testimonials
Why we should work together
About Joe
Professional Experience:
After receiving his Business Degree in Finance and Accounting he became well versed in both the Real Estate industry and Mortgage industry. All of his experience working with the largest institutional mortgage lenders and experience as a Realtor with the #1 Real Estate brand has provided him an opportunity to work with a diverse client base. This allows him to the ability to truly understand his client's needs and find the best solutions to match.
Real Estate decisions are the biggest financial decisions people will usually make. As a Home Mortgage Financing expert, Joe offers the expertise to help guide his clients' decision to buy, sell or invest. It is always a huge benefit to work with someone that understands the financing and the complexities behind their decisions.
CA LIC# CA-DBO453314
Mortgage Education Videos
Reviews
10 Reviews
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06/25/2021
jessicasullivan2010 from Roseville , CA via Zillow
Joe was absolutely wonderful to work with. Despite it being a SUPER busy time, Joe always made my husband and I feel like a priority. Communication was too notch and the refinance process and options were reviewed with us on a regular to ensure we were making the best decision for our family. I would HIGHLY recommend Joe and his team at Loan Depot.
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01/09/2021
zuser201607111846059 from Windsor , CA via Zillow
Working with Joe and his company was nothing but professional, organized and easy. Joe was very attentive and he did what ever he had to do to make sure me and my family found the home we were looking for. He demonstrates love and passion on a day to day basis and would absolutely recommend him and his company to anybody who needs a loan. We couldn't be more pleased and know we made the right choice. Thank you.
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11/07/2019
CMO from Fairfield , CA via Zillow
I consulted with Joe about a mortgage refinance. While talking to Joe it was clear that he was very knowledgeable in the finance industry and was able to provide and explain finance options so that my husband and I could make the best decision for our family. He is so personable you'd want to invite him over for Christmas dinner! Joe always followed up with us on a timely manner and his customer service was second to none! I will recommend Joe and Loan Depot to all my friends and family. Thank you Joe for making this experience a breeze!
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06/20/2019
Ryan Seal from Loch Lomond , CA via Zillow
As first time home buyers I had a ton of questions regarding the process and Joe answered every single one of them. He was always available and made the process extremely personal and I felt like I had someone I could go to and someone I could trust. If you have any lending needs I would recommend Joe and his team. He is a great person and a great lender. Look no further, you have found your lender.
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05/24/2019
Rochelle Connor from Carmichael , CA via Zillow
I have had the pleasure of working with Joe on the loan process and he was definitely the best in every aspect! He made my experience the utmost easiest and he was there every step of the way! Above and beyond!!
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05/15/2019
Justin vincent from Hidden Valley Lake , CA via Zillow
Joe helped me with more than just purchasing my home. I was working with another broker who made me feel like He didn’t need my business and put me on the back burner. After expressing my feelings about this broker, joe went above and beyond with getting me into my home. I have struggled for years to fix my credit. Joe ran my credit and guided me step by step to fix it. Two short months after pulling my credit I was approved to purchase my first home. Joe contacted me at least once a week just to let me know that he was still working on getting me a loan. I have been told by many people that purchasing a home is extremely stressful, but between joe and the realtor that joe recommended the process was extremely smooth. How has earned a customer for life!
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02/23/2019
Jessika Holguin from Annapolis , CA via Zillow
Joe did an exceptional job in our loan process. He was always available to talk to and always had an answer for us, extremely important in his line of work.
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02/13/2019
TA881 from San Jose , CA via Zillow
My refi was anything but run of the mill. It was essential I transition from current loan into a new one; being self-employed and not having 2 year track record in new business were just two of four big hurdles. If I couldn’t get a loan I’d have to sell my home ~ three prior agents had been unsuccessful. Time was working against me and not only did Joe get it done, he accomplished it in an extremely tight window. That was win enough! On top of it, he was professional, knowledgeable (and able to translate into laymen language so I could understand), level set my expectations (this was huge as previous agents gave me high hopes but weren’t able to come through) and last but no less important, he promised to touch base daily so I'd know where I was in the process ~ I heard from him every single day. Joe entered the scene in the 11th hour, had products and relationships to tap into, did what he said he would do, helped me manage my mood in a highly stressful situation, kept things simple and straightforward, had exemplary team and staff, and got the job done. I’m beyond satisfied. Thank you Joe!
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12/17/2018
alvarez prestina from Santa Rosa , CA via Zillow
Joe is a real up and up kind of guy his knowledge of the Real estate industry was really helpful he went up and Beyond to make sure I understood everything that I was going on with the refinancing my house! When I asked a question he was quick to give an answer and if he didn’t have an answer he would research it and get back to me with a really quick response!! I would recommend Joe Jacobs weather you’re buying a house or refinancing house he the guy for the Job!! Guillermo & Prestina Alvarez
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12/05/2018
mohaiman abdul from American Canyon , CA via Zillow
We had the pleasure of working with Joe after experiencing some hiccups with our original lender on a property we had already committed to. This gave Joe very limited time to sort our issues and get us approved. We went to him to settle for a FHA loan but to our surprise Joe got us approved for a conventional loan at an amazing rate. He worked tirelessly and kept us informed throughout the process. Joe is very easy to get ahold of and his expertise is admirable. We are very happy with his services and highly recommend him to anyone in the market for a real estate.
Calculators
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