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Are You Ready for an Affordable Home Mortgage Solution?

Your Path to Homeownership Starts Here! Discover Competitive Mortgage Rates. Explore Your Options Today.

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ABOUT US

Joe Huljak: Your Expert in Home Financing. Navigating Your Path to Homeownership with Confidence.

Let me use my expertise to help you. Your Loan Officer for life. We treat each customer as an individual, not a number.


In January 2006 I opened Joonago Mortgage Services, a full-service mortgage company. I provide one-on-one mortgage consulting. It is my job to get you the lowest possible interest rate at the lowest possible cost. I also educate you about the financial decisions that go along with having a mortgage. My niche is first time home buyers. I enjoy working with them because it allows me to really educate them about the whole mortgage process. I specialize in residential lending for Conventional /FHA/VA/USDA (No Money Down).


I am a true third party originator and not under the umbrella of a large financial institution. The main benefit of this is that I am in control of the transaction and can be flexible in all aspects of the mortgage process from beginning to end. Prior to Joonago, I was a senior loan consultant at Ideal Financial Services from 1996 to 2006. I was the top producer for 10 years straight!

joe huljak from joonago mortgage in a suit and tie smiles for the camera

ABOUT US

Joe Huljak: Your Expert in Home Financing. Navigating Your Path to Homeownership with Confidence.

Let me use my expertise to help you. Your Loan Officer for life. We treat each customer as an individual, not a number.


In January 2006 I opened Joonago Mortgage Services, a full-service mortgage company. I provide one-on-one mortgage consulting. It is my job to get you the lowest possible interest rate at the lowest possible cost. I also educate you about the financial decisions that go along with having a mortgage. My niche is first time home buyers. I enjoy working with them because it allows me to really educate them about the whole mortgage process. I specialize in residential lending for Conventional /FHA/VA/USDA (No Money Down).


I am a true third party originator and not under the umbrella of a large financial institution. The main benefit of this is that I am in control of the transaction and can be flexible in all aspects of the mortgage process from beginning to end. Prior to Joonago, I was a senior loan consultant at Ideal Financial Services from 1996 to 2006. I was the top producer for 10 years straight!

Joe Huljak & Joonago Mortgage

provide the best service

The type of mortgage loan you choose and the costs associated with it require careful attention to details. Joe Huljak’s job as a mortgage broker is to ensure that you understand all of those finer details to their full extent. A trusted mortgage broker who works in your best interest is a must when it comes to saving money while buying a home. Plain and simple.

Get A Quote

We are experts &

provide the best services


Get A Quote

The type of mortgage loan you choose and the costs associated with it require careful attention to details. Joe Huljak’s job as a mortgage broker is to ensure that you understand all of those finer details to their full extent. A trusted mortgage broker who works in your best interest is a must when it comes to saving money while buying a home. Plain and simple.

Some Of Joe's Mortgage Offerings

What's Your Mortgage Goal?

A ready to buy your first home with joonago mortgage?

Buy Your

First Home

Discover your dream home with ease. Your perfect home is just a step away with Joe by your side.

Call now!

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Free Home Loan Consultation

Schedule a free consultation with Joe and let our experts pave the way to your hassle-free home loan journey.

joe huljak from joonago mortgage is holding a house key in their hand

Bank Statement Loan Program

Explore our bank statement loan program for a flexible and streamlined path to securing your dream home.

joe huljak from joonago mortgage and woman are posing for a picture with the words start shopping for your dream home today

First Time

Homebuyers

 Let Joe Huljak, your trusted advisor, guide you seamlessly through the process of purchasing your first home.

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Relocation

Services

Experience a seamless move from Wisconsin to Arizona with Joonago Mortgage's top-tier relocation services. 

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VA Homebuyer Mortgage

Our VA Homebuyer Mortgage program offers exclusive benefits, making homeownership a reality.

Let's make your dream of buying a home a reality! Apply today.

Get A Quote

Let's make your dream of buying a home a reality! Apply today.

Get A Quote
joe huljak from joonago mortgage and his family is posing for a picture in front of a waterfall.

Client reviews from around the internet.

Our clients are the foundation of our success.

A row of gold stars on a white background.

3rd Party Client Reviews

"Joe is great. He helped us get our original mortgage and then got us 1.5% lower refi a year later. He's quick, to the point, and will get you a great rate. I highly recommend using Joe!" - Scott Gara.


"After my US Bank failed to underwrite my loan, Joe was on top of things and got everything done to close in 2 weeks! Wish I would have when with his company vs. the bank from the start! Answered all my questions, was available when needed, and was professional, respectful, and wonderful to work with! Would highly, highly recommend!" - Stephanie Milmoe.

Read Reviews
joe huljak from joonago mortgage and A family is posing for a picture in front of a waterfall.

Client reviews from around the internet.

Our clients are the foundation of our success.

A row of gold stars on a white background.

3rd Party Client Reviews

"Joe is great. He helped us get our original mortgage and then got us 1.5% lower refi a year later. He's quick, to the point, and will get you a great rate. I highly recommend using Joe!" - Scott Gara.


"After my US Bank failed to underwrite my loan, Joe was on top of things and got everything done to close in 2 weeks! Wish I would have when with his company vs. the bank from the start! Answered all my questions, was available when needed, and was professional, respectful, and wonderful to work with! Would highly, highly recommend!" - Stephanie Milmoe.

Read Reviews

Contact Me For A Free Consultation

Apply Online

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Joe Huljak's Blog!

A typewriter with a piece of paper that says real estate on it
By Joe Huljak January 24, 2025
Buying your first home is a big deal and choosing the right location is just as important as finding the right house. If you’re considering West Bend, WI for your first home, you’re making a great choice. Located in Washington County, this small city has small town charm, community life and options for first time buyers.
joe huljak in front of a house with the words fire a bad client
By Joe Huljak January 21, 2025
As a loan officer you’re in the business of helping people achieve their dream of homeownership or financial growth. It’s a great career – but let’s be real, it’s not without its challenges. Every now and then you’ll get a client who makes you wonder what you’ve gotten yourself into: the one who never meets deadlines, treats you like an unpaid assistant or derails your entire process with crazy requests. Here’s the thing: not everyone deserves a seat at your table.
A large brick house with a porch and columns
By Joe Huljak January 17, 2025
Menomonee Falls is a growing village with a reputation for safety, family friendly amenities and community. The area has many parks, a cute downtown and lots of dining and shopping options. For first time buyers, Menomonee Falls has a range of housing options from starter homes to new developments all within reach of great schools and local attractions. The local government, including the board of trustees, plays a crucial role in maintaining these community amenities and ensuring the safety of the residents.
joe huljak holding a house key next to a joonago mortgage services logo
By Joe Huljak January 16, 2025
Your credit score is a big part of the home buying process. A higher score means better loan terms, lower interest rates and more options. If your score isn’t where it needs to be don’t worry—there are steps you can take to improve it. Here are some practical tips to get your score moving in the right direction.
joe huljak is smiling in front of a joonago mortgage services logo
By Joe Huljak January 14, 2025
Buying a home is a big deal and having a timeline will make the process much easier. For most buyers 6 to 12 months is the ideal time to prepare financially, emotionally and logistically for homeownership. Here’s why.
A bunch of papers with one that says
By Joe Huljak January 10, 2025
Are you a first-time home buyer in Sussex, WI and want to own your own home? The process can be overwhelming but with the right information and resources it doesn’t have to be. Sussex is a beautiful village in Waukesha County, WI with a great community, good schools and a high quality of life – it’s a great place to put down roots. Whether you are moving to the Sussex area or have already lived here, I’ll walk you through the home buying process, loan programs and tips to help you find your dream home.
joe huljak is smiling in front of a logo for joonago mortgage services
By Joe Huljak January 8, 2025
In the mortgage game many focus on getting new clients. While getting new faces is important, the real backbone of a successful mortgage business is returning clients. These loyal clients are more than just repeat business - they are the foundation for growth and long-term success. Let’s get into why returning clients are so valuable in the mortgage industry and how to build those relationships.
A sign that says home sweet home on it
By Joe Huljak January 3, 2025
As the owner of Joonago Mortgage Services I help first time homebuyers in Wales and surrounding areas. I’ll walk you through the entire mortgage process from pre-approval to closing to make it as smooth and stress free as possible. My goal is to help you achieve your dream of homeownership with personalized solutions for you.
joe huljak is smiling in front of a sign that says get pre-approved early
By Joe Huljak December 30, 2024
When you’re ready to start your home buying journey one of the first things you should do is get pre-approved for a mortgage. This will set you up for success and give you an edge in today’s market. Here’s why pre-approval matters:
joe huljak is handing a woman a set of keys.
By Joe Huljak December 27, 2024
Richfield, WI is a beautiful place to put down roots. Buying your first home can be overwhelming but with the right guidance the process can be fun and rewarding. Richfield is located in Washington County, highlighting the local expertise of Joonago Mortgage Services. As the owner of Joonago Mortgage Services I’m here to make your first home buying experience as smooth as possible.
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Message me now!

Contact Us

Contact Us

Address

7137 E Rancho Vista Dr, Suite B05, Scottsdale, AZ 85251

 Phone   

414.617.3042

 Email  

joeh@joonago.com

 Hours

Monday thru Friday - 8am to 8pm

Saturday & Sunday - 8am to 3pm

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