Joseph Clarke
Associate 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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

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.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.