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
Derek Muncy from Englewood , OH via Zillow
Regardless of what bank Joseph is with we have had an amazing experience. I'll always call Joseph if we need a refinance or loan for a new home. He has always been honest and hardworking!
Angie Mautz from Beavercreek , OH via Zillow
We have worked with Joe now twice, and should we need it, would go back to him again. He went above and beyond what he 'needed' to do in order to help us solve an escrow issue that came up. And when working with him the second time he worked with us to make sure our closing was timed perfectly to work the best for us. He doesn't hesitate to call and talk us through the steps of what's going to happen, and takes the time to listen to our concerns. We have been so grateful to work with such an honest, hard-working, professional man. Would highly recommend!!
LauraCameron3 from New Carlisle , OH via Zillow
Joe did an amazing job and was Super helpful!!! I would recommend him to anyone that needs help closing on a home!!!!! I had a lot of issues and joe worked right through them and made the process a lot less crazy for me.
Justin Harrigan from Brookville , OH via Zillow
Joe was awesome to work with. He made the loan process about as easy as can be. We were able to lock in at a lower than expected interest rate and closing fees were less than expected. I would recommend Joe to anyone looking to purchase a home or refinance their current home loan!
anboyd55 from WSHNGTN CT HS , OH via Zillow
Joe is very professional and knowledgeable. I felt so comfortable and taken cate of , the entire time. We met under terrible circumstances and he pulled me out of the fire. You have a true Gem working for you . I am very grateful and satisfied with my outcome. I will be a customer for life and have referred him out . Thank you Joe
Hriday from Troy , OH via Zillow
Joseph was very friendly and knowledgeable. He explained everything thoroughly and always called back promptly, even after hours. We are very happy with Loan Depot. I would recommend Joseph to others.
carlarunyon44 from Dayton , OH via Zillow
Joe was amazing. Very friendly, helpful and courteous. The late closing was no fault of his. It was the sellers. He was still patient while listening to me complain about it. I highly recommend his services.
aaron from Brookville , OH via Zillow
Joseph helped me with my home loan during this pandemic when other institutions couldn’t make it work. I couldn’t recommend him enough. Him and Loan Depot were amazing.
cynful2rick from Englewood , OH via Zillow
I first Met Joseph Vichich 2 years ago when I bought my house. He is very knowledgeable and helpful. He always has my best interest at heart, as to the most sensible type of loan for me. So, when I needed information on the refinancing process and interest rates, He went to bat for me, looking for the best deal for my situation. Working with Joseph & Loan Depot, was an uncomplicated, smooth process. Joseph saved me 8 years on my original 30 year loan and dropped my interest rate by 1.26 points. I couldn't be more pleased. I will always recommend Joseph to all my friends who may be considering reviewing their current mortgage situation.
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I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.