Message From Joanne
“I have over 20 years of experience in lending and real estate sales, so I know the importance of smooth transactions. We’ll work together alongside your realtor to ensure your closing is a successful closing. I offer my buyers concierge services, especially first-time buyers. Let’s connect and see which loan fits your need.”
About Joanne
With 20 years of experience in lending and real estate sales, Joanne has built a reputation as a trusted mortgage advisor helping clients navigate the complexities of home financing. Throughout her career, Joanne has developed a deep understanding of the real estate market, allowing her to offer tailored mortgage solutions that meet the unique needs of buyers, investors, and homeowners.
Having worked in both lending and real estate sales, Joanne brings a unique perspective to the table, ensuring every client receives the highest level of service. Whether the client is purchasing their first home or refinancing an existing property, Joanne is known for providing personalized care.
Joanne is passionate about building long-term relationships with clients and prides herself on being a reliable resource throughout the entire home-buying process. From initial consultation to closing, she works closely with clients, realtors, and other industry professionals to ensure a smooth and successful transaction.
When she isn’t working with clients, Joanne is an active member of the community, attending local events and cultural performances. She also enjoys staying up to date with the latest trends in real estate and finance and is dedicated to continuing education and professional development.
Joanne’s commitment to excellence, coupled with her extensive experience, makes her a trusted and sought-after expert in mortgage lending.
Mortgage Products
Bank Statements
Great for self-employed borrowers. Qualify using bank statements. No tax returns required.
DSCR
Property investor-friendly loans. Qualify using market rents only. No ratio available.
1099
Independent contractor-friendly loans. Qualify using 1099 statements. No tax returns required.
Asset Utilization
Great for retirees and entrepreneurs. Use liquid assets to qualify income such as stocks, IRA, 401K and more.
Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.
FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.
VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.
Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.
Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.
ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.
2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option
HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.