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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.
I love working with the Annie Mac Team. Their communication is top notch Joe is always ready and available if I ever have any questions. They make the transaction smooth for me as an Agent and smooth for my buyers as well. They always offer competative rates with deep market insight in this ever changing market! Will for sure use them again in the ... Ruben Philadelphia, PA April 11 Rating: 5.0 out of 5.0 from Encompass
I love working with the Annie Mac Team. Their communication is top notch Joe is always ready and available if I ever have any questions. They make the transaction smooth for me as an Agent and smooth for my buyers as well. They always offer competative rates with deep market insight in this ever changing market! Will for sure use them again in the ...
I must say thanks to Joe for taking the extra steps to talk and explain the process with my buyer, who had a complete misunderstanding of the process. Without his help this would not have been possible. Kamaria Philadelphia, PA April 10 Rating: 5.0 out of 5.0 from Encompass
I must say thanks to Joe for taking the extra steps to talk and explain the process with my buyer, who had a complete misunderstanding of the process. Without his help this would not have been possible.
On time closing , happy clients. Alexis PHILADELPHIA, PA November 24 Rating: 5.0 out of 5.0 from Encompass
On time closing , happy clients.
Great understanding of our financial situation and support. Airin Philadelphia, PA November 14 Rating: 4.7 out of 5.0 from Encompass
Great understanding of our financial situation and support.
The communication make it easy. Taneisha Philadelphia, PA October 01 Rating: 4.2 out of 5.0 from Encompass
The communication make it easy.
Ricky made this complex and daunting process simple, streamlined, and pleasant. He walked me through every step and was always accessible when I had questions or concerns. He kept me on-track to ensure that all documents were ticked and tied on, or ahead of, schedule. I would absolutely recommend Ricky Viscuse to anyone I know is looking at appl... John Cinnaminson, NJ August 11 Rating: 5.0 out of 5.0 from Encompass
Ricky made this complex and daunting process simple, streamlined, and pleasant. He walked me through every step and was always accessible when I had questions or concerns. He kept me on-track to ensure that all documents were ticked and tied on, or ahead of, schedule. I would absolutely recommend Ricky Viscuse to anyone I know is looking at appl...
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.