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Joe Pang

Vice President of Mortgage Lending
14811 N. Kierland Blvd, Ste 100, Scottsdale, AZ 85254
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NMLS: 229324
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Joe made my first time as a home-buyer as painless as possible. He was very knowledgeable, listened to all my concerns and made himself easily available to meet my needs. He would always respond to my questions and concerns quickly and explained the process every step of the way. All the way until and even after we closed escrow. You have an amazing team. I will wholeheartedly refer anyone to you. Thanks for everything Guaranteed Rate! I'm finally a home-owners thanks to you.

Lori J. | September 2017

Joe Pang and Sabrina Young were a godsend... as first time homebuyers, we were incredibly nervous every step of the way. Any time we had a question, we received not just an emailed answer, but a phone call explaining what we needed to know, including the next steps in the loan process. Even my realtor was impressed, she will definitely be using Guaranteed Rate for her future clients! Our loan process was simple, easy, and quick. Communication was clear and concise, and happened often! We were...

Marianne K. | 04/21/2017

Absolutely amazing service from Joe and Sabrina. They made the process incredibly easy, always keeping me informed of the current status of the loan and going above and beyond to meet my closing date request. Sabrina was always quick to reply to my many questions, my phone would ring literally minutes after emailing her, and Joe went way out of his way to bring all the paperwork to me for singing. I would highly recommend them to anyone needing a mortgage broker, you definitely will not be...

Charles R.

Joe Pang and staff were outstanding at their job. Professional and great customer service throughout the mortgage loan process. We have own five houses and the home buying process from beginning to end with Guaranteed Rate was the best we ever experienced. Thank you for helping us buy our lovely home.

Susie & Kenneth M.

Can't say enough how great Joe Pang was from start to finish. Straight forward seamless process with no games

Carlos S. – Phoenix, AZ | SEP 2015

Joe Pang is great to work with, his staff does an excellent job.

Jack P. -- Litchfield Park, IL. 10/15/2014

I received the absolute best agent! Joe went the extra mile to make sure that I understood everything and was happy! I am very impressed with the type of care I received!

Lisa S. -- Glendale, AZ 6/29/2014

Joe Pang was great! He responded to my questions right away and kept us up to speed throughout the process. It's obvious, after working with Guaranteed Rate, that the customer is always top priority.

Quinn C. -- Goodyear, AZ 4/24/2014

Joe Pang was extremely thorough with all of the various details, and was friendly and engaging throughout the process. I was very much impressed with his professionalism.

Christopher D. -- Gilbert, AZ 4/7/2014

Hey, check out this amazing review from Anthony about Joe! “I just closed on my new home and the process was surprisingly painless! I have to credit that to the excellent service I received from Guaranteed Rate and Joe Pang. Joe and his team were very professional and great at what they do, all the while making me feel comfortable and taken care of throughout the process! In a time where service levels have plummeted elsewhere, I can't tell you how nice it was to be treated more as a...

Anthony C. --- Phoenix, AZ --- 4/2013

Hey check out this incredible review from Henry about Joe! “Joe Pang was professional, efficient and caring throughout the loan process. He was always available and answered all the questions about my loan. Joe made my process extremely streamline!"

Henry D. -- Buckeye, AZ -- 01/2013

We are very pleased with the wonderful service we received from Guaranteed Rate. We want to thank Mr. Joe Pang of the Scottsdale office. He was wonderful to work with, very professional, timely and was a great deal of assistance to us. We appreciate him very very much.

James and Nancy Z. - Phoenix, AZ 10/2011


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Joe interview Q&A

How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business for 20 year. My passion for helping people encouraged me to get into the morgage industry. Whether they are first time homebuyers, buying a second home, refinancing or buying an investment property.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
There are pros and cons with a fixed rate mortgage versus an adjustable rate mortgage(ARM), especially for first time homebuyers. The low initial cost of adjustable-rate mortgages, or ARMs, can be very tempting to home buyers, yet they carry a degree of uncertainty. Fixed-rate mortgages offer rate and payment security, but they can be more expensive. With the right information, whether it is a rifinance or a new home purchase, I can help my customers pick the best mortgage that meets their financial goals.
What part of the home loan process do customers find most difficult and how do you help them through it?
The most common issue during the home loan process is usually before closing when the title company prepares the HUD. Understanding escrows for taxes and credits from the sellers can be confusing for anyone from first time buyers to experienced home owners that are refinancing for the third time. I go over the HUD with the clients on purchases and refinances item by item before closing. I patiently answer any questions they might have until they fully understand.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Yuma, AZ and later moved to Phoenix to begin my banking career. I have been in the Valley of the Sun where my two children were born since 1986. I enjoy family, friends and the beautiful Arizona weather when I am not helping people with their home loans.
Tell us something that makes you unique or something wacky, yet interesting about you?
Along with being a mortgage loan officer, I love quality time with my two children. I work out consistantly so I can enjoy chips and salsa and all other types of Mexican food. I called this paying it forward.

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