Joseph Mirza

With over 25 years in the mortgage industry, I bring a unique perspective that goes beyond the typical loan officer experience. From 2000 to 2013, I worked behind the scenes as a processor, closer, and funder for brokerages, banks, and credit unions — giving me an in-depth understanding of how loans are structured and approved. Since 2014, I’ve been a licensed loan officer, working directly with clients to help them navigate the home financing process with confidence.

Having worked both on the front lines and behind the scenes, I know what it takes to not only get into a home — but to keep it. As a homeowner myself for over 20 years, I understand the real-life concerns, pressures, and questions that come with buying a home or refinancing.

What sets me apart is my attention to detail, my operational background, and my commitment to making sure you understand every step of the process. I believe getting a mortgage shouldn’t be confusing or stressful — and my job is to make sure it isn’t.

Whether you’re buying your first home, upgrading to your dream home, or exploring ways to leverage your home equity, I’m here to guide you through it with honesty, clarity, and experience you can trust.