Joe Fernandez

Born and raised in San Jose, Joe brings a wealth of knowledge and experience acquired over the last ten years in the business. He earned a Bachelor degree in Pre-Law Philosophy from CSU Fresno and played in the NFL, for the Seattle Seahawks, after college graduation.

After leaving the NFL, Joe worked as an executive for a tribal casino. Upon a recommendation from a senior mortgage manager friend, he took a chance and transitioned into the mortgage industry. He quickly discovered that helping families realize their homeownership dream, as well as the autonomy of running a business, is what he enjoyed most. Due to his commitment and excellent client service, Joe was recognized as the 2012 Sales Conference Winner and Top 10% originator between 2009-2015.

When he is not originating new loans, Joe enjoys cooking with his wife, reading, and hiking. Joe and his wife, Jennifer, have two children, daughter Bella and son Joey. Joe and his wife actively support Rising International, which is an organization that helps women all over the world to end extreme poverty and keep children safe from human trafficking. They are also strong advocates of local disaster relief organizations and NICU research for premature children.

Whether you are a first-time homebuyer or a savvy investor, Joe is here to ensure you find the best loan product to meet your financial goals. With his wealth of experience, Joe is an resource for any client.  Please do not hesitate to contact him at the San Ramon branch for any of your home financing needs.