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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.
Rating: 5.0 out of 5.0 from Encompass Joe and Anna along with the rest of the team communicated clearly throughout the entire process. everything was explained thoroughly and made us comfortable with each decision we made. LukeOceanside, NY May 22
Joe and Anna along with the rest of the team communicated clearly throughout the entire process. everything was explained thoroughly and made us comfortable with each decision we made.
Rating: 5.0 out of 5.0 from Encompass Joe and the team fought for my loan and gave me more personal attention than what is reasonably expected. They truly went above and beyond to make sure that I got into the house I really wanted. PaulLas Vegas, NV May 07
Joe and the team fought for my loan and gave me more personal attention than what is reasonably expected. They truly went above and beyond to make sure that I got into the house I really wanted.
Rating: 5.0 out of 5.0 from Encompass He was great!!!!!! Luis AlbertoNyack, NY Apr 02
He was great!!!!!!
Rating: 5.0 out of 5.0 from Encompass Joe is truly incredible! He went above and beyond to make sure we had all the information my husband and I needed to feel confident. He got us a great deal and a fair rate, but more importantly, he was there to support us every step of the way. We are so grateful for his help during this important chapter. We couldn't have asked for a better partn... Martha NinoskaNyack, NY Apr 02
Joe is truly incredible! He went above and beyond to make sure we had all the information my husband and I needed to feel confident. He got us a great deal and a fair rate, but more importantly, he was there to support us every step of the way. We are so grateful for his help during this important chapter. We couldn't have asked for a better partn...
Rating: 5.0 out of 5.0 from Encompass The staffing made the process easy, everyone was very polite, professional and was available at all times to answer my questions. The closing was also very convenient. CareyCHESTERFIELD, VA Feb 23
The staffing made the process easy, everyone was very polite, professional and was available at all times to answer my questions. The closing was also very convenient.
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 ... MichelleNewburgh, NY Jan 05
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 ...
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 JoyceNORTH BALDWIN, NY Dec 01
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
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. LindaHIGHLAND, NY Nov 21
Joe and his team did an excellent job with communication, professionalism and helping understand the process from the beginning to the end.
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. Brian GAuburn, MA Nov 17
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.
Rating: 4.3 out of 5.0 from Encompass Closing the loan quickly. Yuseff AYORKTOWN HEIGHTS, NY Nov 11
Closing the loan quickly.
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 . MilitzaManville, NJ Nov 10
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 .
Rating: 5.0 out of 5.0 from Encompass The professionalism and willingness to help your clients, I felt very comfortable knowing I was in great hands, Joe is very good and professional at what he does and as well as his team, thank you and would definetly reccomend to friends and family. CARLOSManville, NJ Nov 07
The professionalism and willingness to help your clients, I felt very comfortable knowing I was in great hands, Joe is very good and professional at what he does and as well as his team, thank you and would definetly reccomend to friends and family.
Rating: 4.8 out of 5.0 from Encompass Joe was highly communicative, understood our mutual client very well and was able to relate to him on many levels. He was professional throughout the transaction while being very personable and REAL. Greatly appreciate Joe's efforts and lengths he goes through to accomodate his clients in uniform! As a fellow firefighter myself, Joe is a tremendous... TAYLORAuburn, MA Nov 05
Joe was highly communicative, understood our mutual client very well and was able to relate to him on many levels. He was professional throughout the transaction while being very personable and REAL. Greatly appreciate Joe's efforts and lengths he goes through to accomodate his clients in uniform! As a fellow firefighter myself, Joe is a tremendous...
Rating: 5.0 out of 5.0 from Encompass Joe made this transaction seamless. First, his communication skills are excellent, and he always made himself available to both my client and myself. Next, he facilitated many facets of this transaction without hesitation. Furthermore, his team was available every step of the way. When you have Joe as your le... LorraineManville, NJ Oct 28
Joe made this transaction seamless. First, his communication skills are excellent, and he always made himself available to both my client and myself. Next, he facilitated many facets of this transaction without hesitation. Furthermore, his team was available every step of the way. When you have Joe as your le...
Rating: 5.0 out of 5.0 from Encompass thanks to Joe and he's team for an excellent and smooth transition . The entire team help us get through the process . EddieBALDWIN, NY Oct 27
thanks to Joe and he's team for an excellent and smooth transition . The entire team help us get through the process .
Rating: 4.8 out of 5.0 from Encompass I told Joe up front that I was someone who required up front communication. well, I really didn't need to because he beat me to the punch most of the time. Also, he has a great team that he leads to provide top. notch service. MesonROCKPORT, TX Oct 21
I told Joe up front that I was someone who required up front communication. well, I really didn't need to because he beat me to the punch most of the time. Also, he has a great team that he leads to provide top. notch service.
Rating: 5.0 out of 5.0 from Encompass Joe And His Team Kept Everything Profesional 👍🏿 JohnMORRISVILLE, PA Oct 10
Joe And His Team Kept Everything Profesional 👍🏿
Rating: 5.0 out of 5.0 from Encompass Joe and his team made sure to communicate with their client and the client's agent, every step of the way Joseph TMORRISVILLE, PA Sep 20
Joe and his team made sure to communicate with their client and the client's agent, every step of the way
Rating: 5.0 out of 5.0 from Encompass Joe and his team was great though the whole process was closed with in 30 days PhilipSTATEN ISLAND, NY Aug 30
Joe and his team was great though the whole process was closed with in 30 days
Rating: 4.2 out of 5.0 from Encompass At the very beginning of the process, you were in the middle of switching from one company to another. Without any notificiation, I was unaware of this and submitted all of my personal information to an email at the first company. When that got resolved, it improved a little bit but sometimes along the way, when I had some questions, getting in t... Craig LTHE VILLAGES, FL Aug 15
At the very beginning of the process, you were in the middle of switching from one company to another. Without any notificiation, I was unaware of this and submitted all of my personal information to an email at the first company. When that got resolved, it improved a little bit but sometimes along the way, when I had some questions, getting in t...