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!
Why we should work together
Joseph joined loanDepot in 2019, bringing 5 years of valuable experience and desire to help assist others in securing their American Dream of owning a home. Given Joseph’s natural knack for finance and passion to help people, loan origination made for a perfect career choice. In fact, he was recognized as one of Dayton’s top producers for the years of 2017 and 2018 by the Dayton Mortgage Bankers Association.
Whether it be a first-time home buyer or an experienced one, Joseph is always ready to design the perfect loan to match his clients’ needs, no matter what hurdles stand along the way. Because of his extensive knowledge of loan programs, problem-solving skills and steadfast commitment to customer service, Joseph ensures that each borrower receives superior guidance as they pursue one of the most personal investments of their lifetime.
When he is not busy helping families realize their homeownership dream, Joseph enjoys golfing, playing competitive softball and spending time with his wife, friends and family. You can find him at the Troy branch. Please don’t hesitate to contact him for any of your home financing needs!
OH LIC# MLO-OH.1420737
Mortgage Education Videos
Frank Schaefer from Troy , OH via Zillow
Starting off I had some issues getting proper help with financing a home. Once I was introduced to Joe, the process just got better and better with each day. Joe went above and beyond the call of duty while helping me with my loan. I could not have asked for a better lender! If you need mortgage or home loan financial assistance. Loan depot is the place to go.
Nick Tidd from Brookville , OH via Zillow
He went above and beyond our expectations working late hours to get our mortgage approved and help where needed. You are more than just another client when you work with Joe. He makes you feel like you are the only client he is working with. He even stepped in to try and help us with the sale of our other home when the buyers lender and real estate agent were trying to rip us off. Buying/Selling a house is not a fun process, but Joe makes it about as painless as possible.
pg car from Piqua , OH via Zillow
Joe amazed me on how was available during hours and after hours to answer questions. He worked to make the loan and closing process fast and easy. If I ever need a loan or to ask a question I know who to call. It was a pleasure working with him. I very highly recommend Joseph Vichich. You won't regret it.
JaredWilson0 from Englewood , OH via Zillow
Joseph made the process very easy for us. He was very quick to respond and made everything seamless through email and e-signatures. I highly recommend him!
Matt loges from Englewood , OH via Zillow
In EXACTLY 8 weeks, I went from inquiry email to CLOSING on my 15 yr REFI! In EXACTLY 8 weeks, Joseph and Allison, walked me through the entire process and I saved TEN YEARS off of my mortgage! Professional, Responsive, and Communicative--a great team! Greatly appreciated, thanks again!
Jacks CTB from Tipp City , OH via Zillow
How was professional, knowledgeable, and helpful beyond words. He made the process easy and streamlined and we felt confident walking into closing. Thank you, Joe, for all the time and attention you gave us. We are happy to recommend him to our family and friends without hesitation!
jelking5 from Troy , OH via Zillow
Joe was fantastic from the get go! He helped explain everything we needed, especially as first time home buyers he was a huge asset the entire time. He answered questions, texts, and calls at all time of day and night. Could not of asked for a better person to work with!
Clay Robinson from Dayton , OH via Zillow
Joe was fantastic. Very easy to work with as well as being very accessible. Was always straightforward with us literally up until the last minute. Fantastic experience overall.
Jason Adams from Troy , OH via Zillow
Joseph was very patient with us during our first home-buying experience. He took the time to explain everything to us and answer our questions. He was very honest about all the numbers and the potential changes we would face throughout the process. He treated us with respect and knew that we had the capacity to understand, we just needed the time and education, which he was able to provide to us. Excellent working with him!
user89127778 from Lewisburg , OH via Zillow
Joe was amazing throughout the entire loan process. He was extremely professional, and so easy to work with. The loan was transparent and the close went very smoothly. I highly recommend Joe and will use him again if the need arises.
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