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Proudly serving clients across Pennsylvania.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
On 08/12/2026 at 2:00 pm
Our next webinar, Creating Content that Converts with Edgly Marketing Group. Founder, Nick George, didn’t wait until he had it all figured out, he just started posting! Now he’s built a following of 90K on TikTok and 14K on Instagram by doing something most people avoid - showing up as himself, even if it’s messy! Here’s what they'll walk away with: · How to create video content that could connect with the Gen Z audience · Tactics to turn your workday into content people will actually watch · The successes and the mishaps that led to this strategy
Rating: 5.0 out of 5.0 from Encompass AnnieMac delievered excellent customer service and lending guidance once again! EmmaPhiladelphia, PA Aug 08
AnnieMac delievered excellent customer service and lending guidance once again!
Rating: 5.0 out of 5.0 from Encompass I cannot recommend Ricky highly enough! From the moment I first reached out, he was incredibly responsive, professional, and attentive. He guided me through every step of the process with patience and clarity, making what could have been a stressful experience seamless and straightforward. The entire process was transparent, and I always felt like ... BrianPhiladelphia, PA Jul 16
I cannot recommend Ricky highly enough! From the moment I first reached out, he was incredibly responsive, professional, and attentive. He guided me through every step of the process with patience and clarity, making what could have been a stressful experience seamless and straightforward. The entire process was transparent, and I always felt like ...
Rating: 5.0 out of 5.0 from Encompass Very responsive , client was extremely impressed with service provided AlexisPhiladelphia, PA Jul 16
Very responsive , client was extremely impressed with service provided
Rating: 5.0 out of 5.0 from Encompass Great people there polite 👍 CoraPhiladelphia, PA Jul 16
Great people there polite 👍
Rating: 5.0 out of 5.0 from Encompass Timely responses, helpful advice, and overall great experience MatthewPhiladelphia, PA Jun 25
Timely responses, helpful advice, and overall great experience
Rating: 5.0 out of 5.0 from Encompass Joe, Michelle, and the AnnieMac team were all fantastic to work with throughout our mortgage approval and disclosure process. We were informed promptly on what needed to be submitted, communication channels were clear, and it was great to have feedback as we also worked on matching initial quotes on our mortgage. Chi LeukPhiladelphia, PA May 26
Joe, Michelle, and the AnnieMac team were all fantastic to work with throughout our mortgage approval and disclosure process. We were informed promptly on what needed to be submitted, communication channels were clear, and it was great to have feedback as we also worked on matching initial quotes on our mortgage.
Rating: 5.0 out of 5.0 from Encompass This last deal was one of the smoothest on the mortgage side. EmmaHuntingdon Valley, PA May 18
This last deal was one of the smoothest on the mortgage side.
Rating: 4.0 out of 5.0 from Encompass Quick and easy process RyanHuntingdon Valley, PA May 06
Quick and easy process
Rating: 4.5 out of 5.0 from Encompass I got the Loan! That was great. JosephPhiladelphia, PA Apr 24
I got the Loan! That was great.
Rating: 4.8 out of 5.0 from Encompass Everything was very straight forwar. no hidden surprises or fees. Good Customer service. KiannyPhiladelphia, PA Apr 24
Everything was very straight forwar. no hidden surprises or fees. Good Customer service.
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 ... RubenPhiladelphia, PA Apr 22
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 ...
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. KamariaPhiladelphia, PA Apr 10
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.
Rating: 5.0 out of 5.0 from Encompass On time closing , happy clients. AlexisPHILADELPHIA, PA Nov 24
On time closing , happy clients.
Rating: 4.7 out of 5.0 from Encompass Great understanding of our financial situation and support. AirinPhiladelphia, PA Nov 14
Great understanding of our financial situation and support.
Rating: 4.2 out of 5.0 from Encompass The communication make it easy. TaneishaPhiladelphia, PA Oct 01
The communication make it easy.
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... JohnCinnaminson, NJ Aug 11
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...
Rating: 5.0 out of 5.0 from Encompass Ricky made the transaction very smooth for my clients. I had to very quickly transition them from another lender and he did it without any issues. HeatherMickleton, NJ Aug 06
Ricky made the transaction very smooth for my clients. I had to very quickly transition them from another lender and he did it without any issues.
Rating: 5.0 out of 5.0 from Encompass Overall we were pleased with the initial education as first time home buyers. Also, in the end we were satisfied with how things were resolvled regarding miscommunications around closing which led to 2 times closing delays. Connor ManuelGlen Mills, PA Jun 19
Overall we were pleased with the initial education as first time home buyers. Also, in the end we were satisfied with how things were resolvled regarding miscommunications around closing which led to 2 times closing delays.