GuaranteedRate Logo

Joe Stevens

Vice President of Mortgage Lending
625 Avis Dr, Ste 100, Ann Arbor, MI 48108
Contact Joe
NMLS: 163813
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

This was our first time buying a home and Joe with the help of his team where very helpful and patient with all the questions I had. He really made us feel like he was looking out for our best interest. He showed us all the possibilities and updated us with information as needed. I would totally recommend him if you are looking to buy!

Closed purchase loan – 5/12/2016

Joe was originally referred to me by my real estate agent as someone she's worked with before that could be of great help. Alas, Joe was MUCH more than that. Honestly he is the reason that I felt so comfortable buying my first home, as he walked me through the process, responded immediately to my needs and questions, and went above and beyond any expectation I had. As soon as I found my house, Joe made sure I had everything I needed to collect with regards to documentation, made the process...

Ronald B. – 4/14/2016

Joe and the Team did a GREAT Job...I did not have the easiest loan, BK and an issue with my title work, they worked together and made it happened and cleared the loan quickly to get the closing done in time that was requested. I will highly recommend Guaranteed Rate and Joe Stevens. Thanks Again!

Michael S. – 3/15/2016

We been dreaming of owning our own house for quite sometime. We thought that it will just be a dream but to my surprise it became a realization. Joe Stevens and his team make it all possible for us to own a house. With their good customer rapport we were able to close in time. Their team is so easy to talk too and always ready to answer all our queries and so supportive. I will always be greatful with this team because without them this dream will always just a dream. Kudos to Joe's team. Thank...

Anafe D. – 2/29/2016

I had the pleasure of working with Joe on a refinance of my home. Joe met all my expectations as this refi wasn’t the easiest, I'm sure of it! Joe was prompt to return phone calls, text and emails. I never actually even met Joe in person, everything was done online for me and it made the process smooth. I would recommend Joe to others. Thank you for everything!

Crystal J. – 01/15/16

My husband & I had an awesome experience refinancing our home with Joe. Joe was knowledgeable with the different lending program's that were offered as we paid off a land contract. He was very helpful in explaining the process to my husband. My husband said that refinancing with Joe was one of the smoothest lending experience he's ever had. My husband can be a difficult man to deal with however, he was impressed with the quick response he got from Joe when he had a question. Once we provided...

H & C Davidson - 8/4/2015

Joe was able to respond in a timely matter to any questions that came up during the process with viable solution options that allowed us to keep moving forward with the loan but also kept it on a timely track.

J & C Omeara - 3/23/2015

Mr. Stevens was extremely helpful and professional from the start of the process till closing day. He was so efficient and I highly recommend Mr. Stevens to anybody who wants a very thorough and detail oriented Real Estate professional.

T & S Podwoiski - 8/28/2015

Joe is an EXCELLENT mortgage professional, very knowledgeable, and prompt. Always responded to my inquiries in a timely fashion. We were able to close on the day that we had discussed, NO DELAYS...Very nice knowing it was completed. Thanks Joe, I will recommend to all my friends and family.

M & A Szafranski - 10/13/2015

Joe's knowledge of the lending market was impressive and the responsiveness to our questions was very nice to have. Property values in our area are hard to determine and it was nice to have a lender that was able to recognize lake properties with its value.

F. Sakowski - 8/10/2015

I had the pleasure of working with Joe on refinancing my home. He was extremely helpful in answering my many questions and helped me find the deal I was looking for. He always responded very quickly to any inquiry and I never waited more than 1-2 hours to get a response from him.

A. Carrig - 10/14/2015

Everything about our refi went without a hitch. From the beginning of the process to the end Joe provided updates and followed up every step of the way. When there was an issue with our existing home equity loan Joe made all necessary contacts to get the information necessary to avoid any delays. I have used Joe in the past for a refi and the purchase of a second home. Included electronic options for sending of materials which made things a lot easier. When I had an issue with one electronic...

B & J Pascarella - 8/24/2015

About Joe

I started in the lending business in 1992 with Banc One Financial Services. I was able lend for many different reasons to my customers, but I always enjoyed mortgage lending the best. I truly love helping people either buy their dream home or help them with a refinance mortgage to help with the financial goals.

I graduated from Indiana University with a B.S. in Sport Marketing Management and from Walsh College with an M.B.A concentration in Marketing.

I married my college sweetheart Kristin and we have two amazing children, Leah and Josh that are both currently enrolled at Salem High School in Canton, MI.

Joe interview Q&A

How long have you been in the mortgage business? What awards have you won?
I spent a majority of my career with a National Bank and have been awarded several President's Club Awards and Gold/Silver/Bronze production awards.
How has the mortgage industry changed since you started, and what would you expect in the future?
I have enough experience in the industry to have seen mortgage rates in the 8% to 10% range, the mortgage implosion of the late 2000's, to the current resurgence of the industry with tighter guidelines and regulations on loan officers and mortgage companies. Trust me, I have seen it all!
What can borrowers do to insure a smooth mortgage underwriting process?
Please be upfront and honest with me about your income and assets. The more I know, the better I can prepare you and your file for underwriting. Most importantly, do not open new credit once we start the mortgage process.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy spending time with my family and travelling as much as possible. I am an avid golfer and enjoy relaxing "Up North" fishing or simply mowing the lawn. I love being part of the sports that my kids play in High School and in their clubs.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a simple guy from Indiana that tries to do the right thing.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state. Please see Assumptions for more details.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.

Explore loan options

Start your Digital Mortgage

Apply now