Joseph Hickey
VP of Mortgage Lending
Joseph is a graduate of Fordham University, with 11 years of experience in sales and finance. He began his career in the auto industry, spending four years as a salesman and seven as a business manager, all for the same auto group in New York State. In such roles, Joseph received awards from both the dealership and the banks he worked with, not to mention being a go-to for people in the community. After leaving the auto group, he decided to take his experience helping customers obtain auto-loan financing, and apply it to helping home buyers navigate through the mortgage process. Joseph now lives in Connecticut with his wife and dog. His hobbies include traveling, photography, snowboarding and riding his motorcycle.
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Recent reviews
What people are saying
"simple process and very responsive and effective guidance"
Amanda B. - Queens NY | Jul 2022
"Joe Hickey is the best person I have ever dealt with in any profession for any service I ever needed in my entire life. He not only made the mortgage process good, he made the whole buying a house process excellent. He helped us even when we were bidding on houses where other people in his position I have dealt with from other companies in the past wouldn't help until a house is picked out and a contract was signed. Joe helped from looking for them to bidding on them then after that was with us every step of the way until closing! He is top notch and the best at what he does!"
Jessica R. - Hopewell Junction NY | Jun 2022
"Joe Hickey went above and beyond for me and my family to secure a mortgage. He answered all my questions He was always there for me and made the process as simple as possible ."
Giorgio N. - Bronx NY | May 2022
"Good rate and good employees"
Amy Jianping Z. - Mamaroneck NY | Apr 2022
"Great professional services and customer relationships."
Ainsworth J. - Danbury CT | Mar 2022
A HELOC with a fixed rate you can count on.
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Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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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.
VA
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.