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Joe Moschella

Branch Manager
322 Route 46 W, Suite 260W, Parsippany, NJ 07054
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NMLS: 12968
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We were extremely pleased with the loan process from our initial consultation with Joe Moschella thru closing. The whole process was stress free and knowing Joe was taking care of everything gave us one less thing to worry about.

Darren F.

We worked with Joe Moschella, Brittany and Gina--they were amazing! They kept us aware and involved in every step of the way! There was always someone to answer our phone calls, return our emails (even on Sundays, and late nights!) and they made sure we were comfortable with every step we took and every piece of paperwork we filled out! They were truly the difference between us closing on time and not! I know that if we had used another company we would still be waiting to close! The team was...

Brittany M.

I've refinanced several times with Joe Moschella. He is the reason I came to Guaranteed Rate. I also liked the electronic document signing.

Ryan G.

Joe Moschella and his team were fantastic from the initial application right up to closing. There were no surprises, the whole process was stress free.

John K.

Joe and Jackie were great to work with, very attentive! They made my closing experience a great one. Thank you!!!!

Gabriel C.

Joe Moschella and his team were awesome. They closed our loan in approximately 3 weeks. Always available, always helpful! Would definitely recommend this team!

Debra A.

Joe Moschella and his staff were wonderful to work with. The website they provided us was easy to understand and we were able to scan and download the required information needed. It was a quick process and we are thrilled to have scheduled some home improvements!

Kathleen B.

From beginning to end, which was quicker than I could imagine, I was guided through by skilled, friendly professionals. It was simply a joy and I have already referred Guaranteed Rate to friends in need and will continue to.

Joseph O.

This was my fist home and I have been on edge from the very beginning. Joe Moeschella and his team always dealt with me with patience and professionalism. They made me feel as though my anxiety was normal and kept me informed through every step of this process. Thank you isn't enough and I am truly appreciative. Thanks again.

Lisa H. -Brooklyn, NY | MAR 2016

Mark and Joe were helpful and patient in the extreme. They completely obliterated any prior mortgage broker stereotype I had, and they along with their team went above and beyond to help us in our less than optimal situation. Couldn't recommend them more highly.

Nicholas Liberis

Joe made my refinance a pleasure. Hands down the best in the business!

Justin G.

Joe is definitely qualified for the job. He helps me and my clients. I enjoy working with him and the feedback that I get is always exceptional.

Mike G.

Did my refi twice with Joe and hands down he is the most honest easiest person to deal with. I highly Recommend him.

Patty F.

Joe and his team was AMAZING to work with. They are super easy to work with and quick with the process. Joe was such an easy guy to work with and Joe was always on hand to answer questions and concerns. They have great customer service skills, take time to explain everything and work to get you the best possible outcome. They made the posses less hectic than I have seen with other loan companies.

John M.

Joe was extremely attentive and easy to work with. He answered my questions quickly and was accessible even in the evenings and on week-ends. He was a pleasure to work with.

Belinda T. – Hackettstown, NJ | AUG 2015

About Joe

I have been in the mortgage industry for 21 years. I was fortunate to start at an amazing company called Champion Mortgage in 1995 working with a lot of wonderful and talented individuals. I have held the positions of Loan Officer, VP of Sales, Center Manager, Branch Manager and now VP of Lending with Guaranteed Rate. Over the years I have been awarded numerous President's Club recognition as a top performer in all of these positions. Helping clients attain the dream of home ownership is as exciting for me today as it was 21 years ago! Prior to getting into the Mortgage Industry I attended College at Wilkes University graduating with a Degree in Business Administration. When not in the office I love to coach and umpire youth baseball, play golf and watch my youngest boy play soccer.

Joe interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
21 Years. I was lucky enough to answer an ad for a position with Champion Mortgage in 1995.
Who is your typical customer and what questions do they typically have?
My clients range from CEO's of major companies to first time home buyers right out of college. Each has unique concerns about the mortgage process. I take pride in listening to these concerns and customizing the best program to meet each of their needs.
What specific steps do you use to help your customers find the best home loan for them?
It is important to get a full understanding of my clients situation. How long do they plan on staying in the home, what is their target monthly payment, what is a comfortable down payment & are they overspending?
How long have you been in the mortgage business? What awards have you won?
21 Years. President's Club recipient while in the position of Loan Officer, Center Manager, Branch Manager, VP of Sales. Joseph P Goryeb award winner for Outstanding Branch Manager.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The big advantage of a fixed rate mortgage is security. You know your payment will not change. However, you pay a monthly premium to get that security. The adjustable rate will offer a lower payment but there could be more risk. It is important explore what is right for you.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Inventory is very low right now. Many of my clients are getting into bidding wars on the homes they are making offers. With my years of experience and diverse mortgage products I have been able to help my clients win the properties while still staying in line with their budgets. Sometimes it is not all about the offer price. There are other factors the seller will consider if the offer and mortgage pre approval is presented properly.
What advice would you give new or first time home buyers?
Really focus on that monthly payment & Down payment. Make sure you are not going house poor. Nothing will put more stress into your life than buying a home you can not afford! Be patient. The right home will come along!
Tell us about a mortgage product that consumers may not be aware of?
Guaranteed Rate has an awesome renovation mortgage!!! It can be used to purchase a new home or refinance a current home. You cash out money to renovate the property!
How has the mortgage industry changed since you started, and what would you expect in the future?
In 21 years I have seen the mortgage change dramatically. The mortgage industry is really the pulse of the US economy. Currently it is the most challenging environment I have ever seen to obtain a mortgage. Credit standards & loan guidelines are very tight. Working with someone that knows how to navigate these waters is the key to having a good mortgage experience.
What part of the home loan process do customers find most difficult and how do you help them through it?
It can be very challenging sourcing the money being used to purchase a property. In the world we live in today all large deposits need to be properly sources and explained. This can be challenging. Guaranteed Rate has the experience to guide our clients through this very frustrating process.
What are the top 3 misconceptions people have about the home loan process?
Most clients think it is all about the rate. As they get further into the process they realize the rate is really important but there are so many other equally important parts to the loan process. The documentation needs to be fully complete. Many clients send over 1 or 2 pages of a 15 page document thinking it will suffice. Today all pages are always required. VA mortgages are making a huge push in this market with all our Veterans returning from oversees. They are great mortgages and Guaranteed Rate has some of the best in the Nation.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
Zillow, Keller Williams Mobile app
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
FNMA has a great website with tons of useful info.
What can borrowers do to insure a smooth mortgage underwriting process?
Get all requested documents back to the lender quickly. Make sure they are fully complete with all pages.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I am active in the Byram Township Hobb Engler Little League Association as a Board member for the last 4 years.
Summary of where you grew up: family, affiliations, college, high school, etc.
Grew up in Randolph, NJ and attended Randolph High School where I played Baseball and Wrestled. Graduated from Wilkes University in Wilkes Barre, PA.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping buyers experience the dream of home ownership.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Spending time with my family. I am a huge movie fan. You will routinely hear me ask you "What is your favorite movie"! Playing golf and watching baseball.
Tell us something that makes you unique or something wacky, yet interesting about you?
I enjoy history. I try to keep in mind "Those that forget the past are damned to repeat it". When faced with a challenge or important decision you can usually look to the past for inspiration or guidance on how to handle the future.

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