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Joseph Clarke
VP of Mortgage Lending

As a mortgage loan officer, Joseph Clarke brings a great passion for enabling real estate agents and homebuyers to achieve their real estate goals through a smooth and fulfilling experience. Prior to joining the mortgage industry, Joseph enjoyed working in real estate for 10 years. During this period, he amassed a vast wealth of experience in diverse aspects of real estate transactions, acquired exceptional analytical ability, and a great understanding of the business side of real estate transactions. Joseph holds an NMLS License in the state of California.

Joseph leverages his understanding of the trends in the industry to explain different aspects of the mortgage process to educate clients, effectively empowering them to make well-informed decisions. With a strong sense of duty, Joseph is determined to find an amicable solution that mutually favors the client and the agent. He works tirelessly to guide mortgage applicants throughout the mortgage approval process, from preparing the loan application through closing. For Joseph, seeing his clients happy and settled is his greatest motivation and incentive that keeps him going. He is keen on earning his clients’ trust and confidence, and he is passionate about building long-lasting professional relationships.

A great problem solver, Joseph has uniquely positioned himself as the go-to mortgage loan officer and a safety net for clients seeking to obtain home mortgages or refinance their current mortgages. Joseph takes pride in his ability to communicate continually, great understanding of clients’ diverse needs, and willingness to meet and exceed their expectations. In his spare time, Joseph enjoys sports, golfing, traveling, and cooking. With Joseph at your service, you can be confident that he will not rest until he turns your homeownership dreams into reality.

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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.