Joe Cafiero

Vice President of Mortgage Lending
1500 Walnut St., Suite 803, Philadelphia, PA 19102
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NMLS: 65146
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This is our second mortgage through Joe Cafiero and Guaranteed Rate. Very responsive and thorough. AP

Adam P. - May | 2018

Every person on the team was amazing. This is the first time I was buying the house on my own, and I was very stressed and worried, but was pleasantly surprise how easy you made it. My biggest thanks are to Joe Cafiero - I appreciate his professionalism and understanding a lot.

Maria V.

Joe is a life saver. Thank God for both Zillow and Joe is all I can say. After having contacted several brokers etc., I kept running into a major hurdle, my student loans and more specifically Income based repayment. I was to the point where I was ready to sell my business and move out of state because I couldn't secure financing based on the way lenders were calculating my student loan payments. Joe came to the rescue and I closed on our dream home a few hours ago. Thank you Joe!

Joshua B.

Phenomenal experience working with Joe, a true best in class mortgage professional with a fantastic processing team. Made things as painless as possible and very quick to respond to questions. Almost everything was done online and when I needed to talk to a live person, someone would call right away (unlike many "online" lenders). I had ample time to review all the closing docs prior to settlement. I would wholeheartedly recommend Joe and GR - he's the real deal.

Ben L.

I want to thanks Joe Cafeiro for his help very professional person

Eric T. – Philadelphia, PA | Apr. 2015

Joe Cafiero was prompt returning calls and Denise Fields extremely helpful and patient!

Maureen C. -- 11/17/2014

I normally don't stray from face to face services but Joe got our business because he answered our questions online and was very thorough and direct and didn't even ask for our business up front. We are very happy to have worked with him.

Jaleel D. -- Long Pond, PA, 2/21/2014

“I cannot stress enough how much Joe Cafiero rocks! He should really get a bonus. This is the second time I've gotten a loan with Guaranteed Rate because of him and it went through in just two weeks! He is always on top of what is needed and when it is needed. He was just very knowledgeable and made it easy to get my loan completed. We worked really well together, I have already come back and I will do it again.”

Kevin G. --Malvern, PA. -- 9/ 2013

“Joe Cafiero was very helpful and answered our question quickly even though we had a lot of questions, he never seemed annoyed or rushed through answering us. He was great! We had a difficult situation with some past credit issues, but Joe and Teresa Falkler, who handled our paperwork, worked hard to help us through this process and approved. The communication was very good, we received emails back with answers quickly. We were happy that Debbi came to us for the closing, that made it so much...

Kimbrali G. --Millville, NJ -- 5/ 2013

Hey, check out this amazing review from Fuji about Joe! “Thanks to Joe Cafiero, Teresa Falkler and the rest of the team for the refinancing. It seemed like divine intervention to have been connected to him and his team at Guaranteed Rate. Joe assured me each step of the way by responding with careful consideration to my concerns. He was professional and responsive. I am looking forward to sending people your way!”

Fuji K. – Chalfont, PA – 5/2013

We worked with Joe Cafiero at the Superior Group and 'Phenomenal' is really the best word to describe our experience. As first time home buyers, we quickly learned that the buying process can have some twists and turns in this market -- but having someone like Joe in your corner really smooths the process. We shopped around and by far, Joe offered the best rate and the absolute best customer service. He was extremely helpful from the first email to closing, answered all of our many questions,...

Carmen & Michael Hammond

I just wanted to say that it was a pleasure working with Joe Cafiero. I have had the pleasure of closing two homes with Joe, and he was extremely professional and responsive to all questions throughout the entire process. I was always up to date and informed thanks to Joe's "superior" customer service. I will definitely recommend the Superior Group to friends and family. Thanks Joe!

Carolyn B.

Joe Cafiero's knowledge and attention to detail were evident from his first reply to our request for a mortgage quote all the way to our settlement. As first time home buyers we seemed to face a dilemma about every decision of our mortgage process, from interest rates to flood certifications, and Joe's clear explanations came to the rescue each time. We not only benefited from his experience, but we enjoyed his candor - and that he was easy to communicate with both on the phone and online. He...

Peter Marinari & Elise Wei

Working with Joe was a pleasure. He made sure everything went smoothly with our mortgage application. Since we were first time home buyers, he took the time to explain every step of the process in detail. We would definitely recommend using him!

Concetta Dzikowski

About Joe

I have been assisting families in achieving the dream of home ownership for over 10 years. I am currently licensed in Pennsylvania and New Jersey.

My responsiveness is what sets me apart from my competition. I do not let any question go unanswered. From start to finish, it is my voice that will guide you which is a great asset to my first time home buyers customers. All of this plus low rates and fees and you can see why working with me and Guaranteed Rate is a wise decision.

On a personal note, my wife Amie and I moved down to the Philadelphia Area in 2006 and can not imagine a better place to raise our daughter Sophia. Whether it is walking the streets of Chestnut Hill, having dinner in Center City, or taking in a ball game we can not get enough of this area and I look forward to hearing why you find this area a great place to live. Please contact me at any time to discuss your mortgage financing needs!

Joe interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I provide a detailed Total Cost Analysis that shows various products side by side so that the client can make a quick and educated decision.
How long have you been in the mortgage business? What awards have you won?
1. I have been in the business for 12 years. Recently I was awarded a Five Star Professional Award that will be featured in the upcoming issue of Philadelphia Magazine. The award is based on a survey that was sent out to buyers, realtors, title agents, and other people in the industry who rated their experience working with me. I believe this award is only being presented to about 7% of the current sales force in the Greater Philadelphia Area.
What advice would you give new or first time home buyers?
That they are probably in better shape than they think. A lot of would be first time home buyers do not think they can qualify for a loan and that is simply not the case. Lots of programs out there that can help someone buy a home.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
The ebooks that we all have on our websites especially "Demistifying the Loan Process" is a great resource.
What can borrowers do to insure a smooth mortgage underwriting process?
3. Have your documents in order. Also be prepared to explain anything that would seem out of the ordinary. That includes any unexplained deposits into your bank accounts and transfers from one account to the next.
Summary of where you grew up: family, affiliations, college, high school, etc.
4. I grew up in Saratoga Springs NY. My family stretches clear across the country from Atlanta to Santa Fe NM, to San Francisco, to Portland and back to Philadelphia where my wife Amie and Sophia have lived since 2006.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
My wife Amie and I moved to Philadelphia in 2006 and along with our daughter Sophia love everything the city has to offer. Also a big golf nut.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a big golf enthusiast and part of 40 guys who get together every May for a few days of golf. Each year is in a different location.

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