• Find an Expert
    Find a Loan Officer Find a Branch
  • Loans
    Home Refinance Home Purchase Home Builders Joint Ventures
  • Community
    Knowledge Cafe Blog
  • About
    Overview Mission and Values Leadership Careers Media Center Contact Us Pay My Bill Trouble Making Payments
  • (973) 867-6174
  • Sign In
  • Find an Expert
    Find a Loan Officer Find a Branch
  • Loans
    Home Refinance Home Purchase Home Builders Joint Ventures
  • Community
    Knowledge Cafe Blog
  • About
    Overview Mission and Values Leadership Careers Media Center Contact Us Pay My Bill Trouble Making Payments
  • Sign In
  • (973) 867-6174

Phil Iossa

Branch Manager

NMLS # 442407

Instagram Facebook Twitter YouTube LinkedIn
  • map marker icon View My Branch
Share-IconShare

Let's Get Started

Begin your digital application

Apply Now
As your trusted loanDepot loan officer, I will walk you through every step of the loan process and support you from pre-approval through your closing date. This website will be a useful resource for you throughout your loan process and provides many tools for you to utilize to ensure this is a stress-free experience. Whether you are a first time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs. Don't hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you!

Load More

FL LIC# LO43205 | CT LIC# LO-442407 | DE LIC# 442407 | NJ | PA LIC# 54841 | TX

  • 65 Madison Ave Ste 210
    Morristown, NJ 07960
  • (973) 867-6174
  • (973) 885-1185
  • (973) 718-4343
  • Email Me PIossa@loandepot.com
Calculator icon

Run the Numbers

Try our Purchase or Refinance calculators

Learn More

Here's what my clients are saying...

"Knowledgeable staff who answered our questions with confidence. They knew what they were doing."

Vivian G.

"loanDepot helped my wife and I purchase our retirement home. Being on a fixed budget, our loan officer took that into consideration and help us choose the right loan for our needs. Great customer service!"

David T.

"Immediately from the onset of the online application the experience was pleasurable and professional."

Daniel Q.

Previous Next

loanDepot Lifetime Guarantee

Fund your home with us and get protected! Learn More

Lifetime Guarantee icon

Our Blog

Want to know more about loanDepot? Check out our blog. Learn More

No Picture

From Our Knowledge Cafe

5 reasons to refinance right now
5 reasons to refinance right now Read More
Past imperfect? What you need to know before buying a historic home
Past imperfect? What you need to know before buying a historic home Read More
Navigating the condominium financing process
Navigating the condominium financing process Read More
  • 5 reasons to refinance right now
  • Past imperfect? What you need to know before buying a historic home
  • Navigating the condominium financing process
Phil Iossa
Branch Manager
NMLS # 442407
PIossa@loandepot.com
Phone
(973) 867-6174
Email
Email Me
Address
65 Madison Ave Ste 210
Morristown, NJ 07960

loanDepot

Mortgage Types
Compare Mortgage Rates
State Licensing
Privacy & Security
Terms of Use
To view legal disclosures and important notices, please click the following:
To view legal disclosures and important notices, please click the following: Lifetime Guarantee Disclaimers Rate Assumptions

loanDepot Lifetime Guarantee ("Guarantee")  — Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate.  The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), or personal loans (i.e., loans that are not secured by the property). The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division.  The Guarantee may only be used by submitting an application directly to loanDepot.


For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan.  loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home.  The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time.  For future loans meeting the above requirements and which are successfully closed, the appraisal fee will be reimbursed at the closing of the loan transaction and no lender fees will be charged. “Lender fees” do not include discount points associated with the loan transaction.  “Appraisal fee” includes only the fee associated with the first appraisal on the loan transaction and does not include any ancillary appraisal fees that may be charged in connection with the loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). Terms and conditions are subject to change without notice.


Future applicants must contact loanDepot directly via the website: www.loandepot.com/MyGuarantee or via telephone (877-395-7381) to qualify for the Guarantee. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee.

Testimonial disclosure — Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and is for display purposes only.

Rate Assumptions — Rates displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote.

NMLS#174457 - NMLS Consumer Access Site |

©2009-2019 loanDepot.com, LLC   all rights reserved

A Rating     Equal Housing Opportunity