Skip to main content
Joseph Sullivan, (NMLS ID 739664)

Joseph Sullivan

Direct Lending Officer

NMLS ID: 739664

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.

Apply Now Contact me

About Joseph Sullivan

If you are in the market for a new home loan or looking to refinance, I’d love to help. I am a mortgage professional with over 15 years experience assisting clients all across the country. I have the knowledge and passion to help homeowners craft the best mortgage solution for their individual needs. From first-time homebuyers to seasoned buyers and those looking to save with a refinance, I’m here to help.

 

During my time away from work, my wife and I enjoy spending time with our three children at the lake, boating and fishing. They also keep us busy attending hockey, cross country, soccer, and track events.

 

 

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Professional Affiliations

  • Over 15 years mortgage originations experience

Education

  • Central Michigan University
  • Bachelor of Science in Business Administration
  • Finance Major

Client Testimonials

Hear what my previous clients have to say about my work.

Tracy E – Monument, CO
“Joe and Stacey made the loan process go so smoothly and easy. They we're knowable and prompt. Professional and friendly. One of the best experiences we have had acquiring a loan. Thank you! ”
Jacquline S – Coloma, MI
“Wonderful fast service! ”
Ana S – Livonia, MI
“I liked the ability to contact my loan officer via email/within the Flagstar portal. I liked being able to upload the necessary documents. I was glad that the process was relatively easy and quick. ”
Beth F – Alachua, FL
“Excellent to work with! ”
Thomas N – Watertown, WI
“Easy to submit documents by scanning and submitting via secure e-mail. Easy having the closing at our home. ”
Mary Lou F– Parker, CO
“He did a great job. Communication was good. Loan process was smooth. Very pleased with the rate of my loan and the speed of the process and of course the competitive cost. Will always go back to Flagstar if ever I need another mortgage. ”
Amalia P – Bakersfield, CA
“I am very satisfied with Flagstar and the staff who helped. I highly recommend them to others. He was very knowledgeable, professional, and courteous. I really appreciate all of his help and the staff whom assisted. It was a very smooth transition. ”
Marisela C – Vallejo, CA
“Thanks for being so courteous and fast during the whole process! It was so easy to close my loan. Thank you! ”
Chad S – Lilburn, GA
“My loan officer was quick to return my calls or emails and patiently explained things in layman's terms. My processor was responsive and helpful. I was very pleased with my experience the website design and people I worked with made it easy. ”
Jo Ann M – Pinckney, MI
“Joseph Sullivan and Stacy Block were totally awesome. They have no idea how much their assistance to us. Everything went as promised! I am glad I made the phone call, and more glad (can someone be more glad?) that I got Joseph Sullivan. ”
James M – Oak Brook, IL
“Very helpful and walked us through the process in an efficient manner. Very happy we had him as our loan officer and he did a great job. ”
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Joseph Sullivan, (NMLS ID 739664)

Joseph Sullivan

Direct Lending Officer

NMLS ID: 739664

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.

Apply Now Contact me

Request a Contact

Fill out the information below and I'll reach out to you shortly.


Contact Preference

* = required

Today's Rate

Apply Now

1Rate as of 1/20/2021 10:18 AM EST. 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 48,000% 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 $966. 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.

 

2Rate as of 1/20/2021 10:18 AM EST. 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 48,000% 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 $1,546. 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 as of  1/20/2021 10:18 AM EST. 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 8,400% down payment, minimum borrower credit score of 740, and estimated points of 0.403% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $933. 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, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.