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Joe Mata
VP of Mortgage Lending

Hello! I'm your VP of Mortgage Lending. I've been in the mortgage and lending business since 2004. Buying a new home or refinancing your mortgage should be a positive experience, my goal is to guide you and make the process as smooth as possible. I'm committed to maintaining the highest level of customer service in my profession, being available to you seven days a week and working diligently on your behalf. I would love the opportunity to be your mortgage specialist and appreciate any recommendations or referrals on your behalf. I am ready to provide you with residential mortgage services throughout the great state of Florida. To my business partners, I seek to work with others who have a passion for what they do, love helping others and like to grow and bring their best each day. I know how important your clients are and will treat them with the professional excellence they deserve. I also know that there are a lot choices out there so that makes me appreciate your business even more. I look forward to building relationships that will allow us to be successful, have fun and be a source of knowledge and trust to our clients.

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Areas served
  • Lakeland, FL
  • Winter Haven, FL
  • Avalon Park, Fl
  • Orlando, Fl
Services offered
  • Mortgage Lender
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    Today's rates

    Loan typeRateAPRDiscount points ($)Mo. payment

    This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).

    Product Assumptions:

    Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

    Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

    FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

    VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

    These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

    One discount points equals one percent of your loan amount.

    Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.