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Robert Joyce, (NMLS ID 372708)

Robert Joyce

Direct Lending Loan Advisor NMLS ID: 372708

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

I have been a mortgage loan officer for the past 10 years. Those years have provided me with the knowledge to guide you successfully through the loan process. From finding the best products to achieve your goals, to securing the best terms for your budget, I strive to ensure that your mortgage experience is pleasant and efficient.

 

Whether you’re a first-time homebuyer, looking to purchase an additional property, wishing to refinance, or borrow against the equity of your home, I am happy to offer any assistance possible to meet your needs.

 

We know that purchasing or refinancing a home can be a major financial decision. Please allow me to use my experience and expertise to guide you to the solution that is best for you and your family.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Professional 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 7.275% 7.432% 1
15-Year Fixed 6.664% 6.912% 2
FHA 30-Year Fixed 5.958% 6.841% 3

1Rate 7.275% with an APR of 7.432% as of 4/10/2024 10:10 AM 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 $1,641. 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 6.664% with an APR of 6.912% as of 4/10/2024 10:10 AM 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 $2,112. 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 5.958% with an APR of 6.841% as of 4/10/2024 10:10 AM 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 $1,458. 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.

Find the loan product that's right for you.
Spend a few moments to get a better idea of your bottom line. Are you looking to purchase a new property or refinance an existing one?

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Robert Joyce

Direct Lending Loan Advisor NMLS ID: 372708

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