Loan Officer Location
About Me
Loan Officer · NMLS 1105767
I am a seasoned loan officer with over a decade of experience in the mortgage industry. My journey began with obtaining my first license in WA, and over time, I have expanded my expertise by obtaining licenses in OR, CA, AZ, and IL.
Throughout my career, I have had the privilege of serving a diverse clientele, ranging from first-time homebuyers to self-employed individuals with LLCs and Corporations. I take pride in my ability to understand the unique needs of each client and provide personalized guidance to help them find the best loan program for their specific situation.
My focus on delivering exceptional service has earned me a reputation as a trusted advisor among my clients and referral partners. I strive to provide an unmatched experience by leveraging my extensive knowledge of the mortgage industry and my commitment to meeting the needs of each client.
Whether you are a first-time homebuyer or a seasoned investor, I am dedicated to helping you achieve your goals of homeownership. Contact me today to learn more about how I can help you find the perfect loan program for your needs.
My Location
Camelback - Phoenix 1817 E Hatcher Dr, Phoenix, AZ 85020
Social Survey View
Joe Aganowski's
OVERALL RATING
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"Joe had a lot of..."
Joe had a lot of patience and understanding.
Carla
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"Joe was very on..."
Joe was very on top of the ball when it come see if the condo was FHA approved and when that unfortunately fall through he had a back up plan and made convention less scary/impossable. He went over everything with me and even sent me emails so I had visual reffiance to fall back on while looking. When I finally can afford a house, if he is still here, I will use his service again in a heart beat!!
Faith
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"Joe was there to..."
Joe was there to help us every step of the way, promptly and reassuringly answering any questions we had, absolutely an amazing person to have in your corner during a huge new ordeal like buying a house!
Brandon
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American Financial Network, Inc. is providing the calculator tools above as a courtesy and results are estimates only. Please consult with a licensed American Financial Network, Inc. Loan Originator for more specific information and to discuss your individual needs and circumstances. Standard disclaimers apply.
Loan Program View
LOAN PROGRAMS
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Reverse MortgagesA reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don't make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.1 American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default. 1. https://www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/
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ConventionalIndustry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.
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FHAInsured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.
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VAJust for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.