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Proudly serving clients across NY, CA, CT, DE, FL, GA, IL, IN, MA, MD, ME, MN, NC, NJ, OH, OR, PA, SC, TN, TX, VA
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Joe Ferraro and his entire team at AnnieMac were absolutely amazing to work with. From day one, Joe was professional, knowledgeable, and always available to answer my questions. The home loan process can be overwhelming, but Joe and his team made everything feel smooth, clear, and stress-free. They kept me informed every step of the way and worked ... Michelle Newburgh, NY January 05 Rating: 5.0 out of 5.0 from Encompass
Joe Ferraro and his entire team at AnnieMac were absolutely amazing to work with. From day one, Joe was professional, knowledgeable, and always available to answer my questions. The home loan process can be overwhelming, but Joe and his team made everything feel smooth, clear, and stress-free. They kept me informed every step of the way and worked ...
I really liked the fact rhat Joe and his team took the time out and went step by step and explained everything to me. I would recommend Joe and his team to everyone who is in the process of buying a house. Ten stars all across the board Joyce NORTH BALDWIN, NY December 01 Rating: 5.0 out of 5.0 from Encompass
I really liked the fact rhat Joe and his team took the time out and went step by step and explained everything to me. I would recommend Joe and his team to everyone who is in the process of buying a house. Ten stars all across the board
Joe and his team did an excellent job with communication, professionalism and helping understand the process from the beginning to the end. Linda HIGHLAND, NY November 21 Rating: 5.0 out of 5.0 from Encompass
Joe and his team did an excellent job with communication, professionalism and helping understand the process from the beginning to the end.
The involvement and how the staff all participate, on the same page with each other and constantly updating the client is something I haven't seen at other banks. Helping the client (me) is extremely helpful when I'm not familiar with online transaction, paper signing. Brian G Auburn, MA November 17 Rating: 4.8 out of 5.0 from Encompass
The involvement and how the staff all participate, on the same page with each other and constantly updating the client is something I haven't seen at other banks. Helping the client (me) is extremely helpful when I'm not familiar with online transaction, paper signing.
Closing the loan quickly. Yuseff A YORKTOWN HEIGHTS, NY November 11 Rating: 4.3 out of 5.0 from Encompass
Closing the loan quickly.
What made it great was Mr. Jorge Ferraro, he is truly and ángel, he really cares about his clients and is very professionsal at what he does . Militza Manville, NJ November 10 Rating: 5.0 out of 5.0 from Encompass
What made it great was Mr. Jorge Ferraro, he is truly and ángel, he really cares about his clients and is very professionsal at what he does .
On 02/25/2026 at 2:00 pm
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there