My name is Jimmy Joseph and I’m a mortgage professional with over 20 years of experience in financial services. I’ve been through the mortgage process – multiple times. And after having both negative and positive experiences during this process, which often seems daunting to homeowners, I wanted to serve others and help them achieve one of the greatest goals of many families: home ownership. My goal is to provide a seamless process and enjoyable experience for you. Building community and sustaining relationships is important to me; I do this through my mortgage business in assisting my client’s financial goals.
My family and I live in Murray Hill, New Jersey, and I love watching my kids embrace life through sports and leadership clubs in town. I have a deep commitment to working within the community to build an environment that supports their continued growth and development. This is only possible when that commitment is extended to include others; thus, it is important to me to participate in town. I currently serve as a board member of the Berkeley Heights Education Foundation and am a founding member of Berkeley Heights Diversity Council. In addition, I am a member of the New Providence Lions Club and New Providence Diversity Committee.
Family is important to me and I know many who are purchasing homes have family and/or loved ones in mind, including when it’s a family of one. My communication strengths and background in finance, combined with my passion for helping people, will be the key helping you attain the most important asset in life.
All of my customers are enrolled in Mortgages Under Management, a complimentary program that brings together our experienced staff and reporting tools to make sure you have the best terms on your mortgage. My comprehensive approach begins at the planning stages of your home financing and continues throughout the entire life of your loan.
Out of the gate, I'll structure your new mortgage to complement your financial plan, getting you the perfect mortgage at a great rate. I'll consider your financial goals, cash flow, retirement budget, and more - helping you understand each factor
Interest rates change daily. With our Auto-Lock service, I'll help you target a competitive rate and lock it in when it becomes available. Then, I'll work with you to plan for the future by establishing a preset rate target at which a refinance can save you money.
After your loan closes, my work doesn't end. I'll provide RateWatch Reports: quarterly mailings that compare your interest rate to the current mortgage market. You will be alerted when savings are available and always know where your mortgage stands.
No problem. Enroll in my Mortgages Under Management program on the form at the bottom of this page. I'll "adopt your loan" by collecting the necessary information to actively manage your mortgage and alert you to its position in the marketplace.