1Rate 6.750% with an APR of 6.890% as of 7/18/2025 2:42 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,557. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Before you go
Joey Abdallah
Direct Lending Officer NMLS ID: 1036830
I’m ready to use my years of hands-on experience with home lending to provide exceptional service and personalize a mortgage that’s custom-fit for you.
Right away, I want to thank you for taking a minute to read a little bit more about me, my experience, and why I do what I do. The more you know about me outside of our mortgage conversations, I'm sure you’ll be that much more confident during them.
I graduated from Iowa State University in 2007 and started a mortgage career a short time later. But before becoming a Loan Officer, I taught martial arts for several years, taught in Iowa's Catholic school systems, and successfully ran my own business.
It turns out that mortgage lending requires a good mix of those very same skills that I was fortunate enough to learn as a young person early in life. The ability to clearly explain the pros and cons of any loan, understand the math, and having a genuine care for your financial wellbeing are all crucial to a successful mortgage loan.
I’ve found that having the ability to take a step back to ask ourselves “Will this make sense?” along with being responsive to my customers have garnered more appreciation than I can measure, which I’m sure enabled me to reach the level of success that I have. Approaching a decade in the mortgage industry and being in the top 1% of Loan Officers in every company I have worked for, I’m confident we’ll work well together and find a solution that best fits your needs.
My wife Erika, along with our three young children, Atticus, Harper, and Greyson, are why I put in the hours that I will for you. I have a very supportive family who tell me they are proud their dad gets to help people move into their very own home AND can help them save money for their family!
When I do get some time out of the office, I enjoy family time at the beach, being captain of Iowa’s very own Aussie Rules Football team, and getting some time in at the gym.
So again, thank you for spending some of your very important time to read this, and I’m so excited to work with you, so what are we waiting for? Click the Apply Now button above, and let’s get started putting you in the best loan that meets your financial goals!
Mortgage Specialization
- Adjustable-Rate Mortgages
- First-Time Home Buyer Programs
- Investment Property Loans
- Jumbo Loans
- Second Homes
- VA Government Loans
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Today's Rate
| Mortgage | Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.750% | 6.890% 1 |
| 15-Year Fixed | 5.750% | 5.972% 2 |
| FHA 30-Year Fixed | 5.875% | 6.755% 3 |
2Rate 5.750% with an APR of 5.972% as of 7/18/2025 2:42 PM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,993. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
3Rate 5.875% with an APR of 6.755% as of 7/18/2025 2:42 PM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,445. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Direct Lending Officer NMLS ID: 1036830
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