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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.

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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!

Joe 's pre-approval strategy by joonago mortgage services
By Joe Huljak 05 Nov, 2024
Getting pre-approved for a mortgage is a big part of the home buying process. With Joe Huljak at Joonago Mortgage Services it’s easy and painless. Here’s what to expect:
An aerial view of a residential neighborhood filled with lots of houses and trees.
By Joe Huljak 01 Nov, 2024
Delafield is located in the beautiful Lake Country area of Wisconsin and is a wonderful place for first time homebuyers. With its scenery, community and amenities, Delafield has become a hot spot for those buying their first home. As a first-time buyer you’re probably feeling excited and have questions about the home buying process. Here’s a guide to help you understand the process, avoid the mistakes and buy your first home in Delafield, WI.
joe huljak in front of a house with the words loan officers need online reviews
By Joe Huljak 29 Oct, 2024
In this digital age online reviews are a part of any business. For loan officers they can be a game changer. Let’s dive in and see why online reviews matter and how they can help you succeed.
joe huljak is smiling in front of a sign that says non-qm loan options
By Joe Huljak 23 Oct, 2024
Self-employed individuals face unique challenges when applying for a mortgage. Traditional income verification methods rely on W-2’s and tax returns which can be difficult for those who write off a lot of business expenses and show little taxable income. But there are several ways to help non-W2 borrowers qualify for a mortgage.
A close up of a map of milwaukee
By Joe Huljak 22 Oct, 2024
Milwaukee, WI has been a city of history, culture and community for years. Whether you like the architecture, being near Lake Michigan or the growth opportunities in the housing market, Milwaukee is a great place for first time home buyers.
A map of the state of wisconsin shows a waukesha
By Joe Huljak 18 Oct, 2024
Waukesha is a charming city located in Waukesha County, Wisconsin, with a population of 71,158 as of 2020. The city boasts a median income of $65,688 and a median home value of $184,400, making it an attractive option for first-time homebuyers. Known for its vibrant downtown area, Waukesha offers a mix of historic architecture and natural beauty, with several parks and lakes within the city limits. The community is diverse, welcoming young professionals, families, and retirees alike, creating a dynamic and inclusive environment for all residents.
joe huljak is smiling in front of a house with the words day in the life of a loan officer
By Joe Huljak 14 Oct, 2024
As a loan officer, every day is a balancing act, especially when your business spans across time zones. Based in Arizona, most of my clients are in Wisconsin, which adds a layer of complexity to my schedule. My mornings often start early, syncing with Wisconsin's Central Time Zone to ensure I’m available when my clients need me most. By the time Arizona wakes up, I’ve already fielded several emails and phone calls.
A couple of houses are sitting next to each other in a residential area.
By Joe Huljak 11 Oct, 2024
Buying your first home in Green Valley, AZ is an exciting adventure with many opportunities. From the area’s affordable housing to the desert beauty of Green Valley it’s a great place to be a new homeowner. By being prepared, knowing your mortgage options and working with a knowledgeable team like Joonago Mortgage Services you can make your dream a reality.
joe huljak in a suit and tie is smiling in front of a house.
By Joe Huljak 04 Oct, 2024
When it comes to getting a home loan, many homebuyers are faced with the decision of whether to go with a bank or a mortgage broker. Both can lend, but mortgage brokers have more advantages that make them the better choice for most borrowers.
An aerial view of a highway surrounded by fields and trees.
By Joe Huljak 04 Oct, 2024
Benson, AZ, is a charming community known for its scenic landscapes, close-knit community, and proximity to major attractions like Tucson and Kartchner Caverns State Park. If you’re a first-time homebuyer, it’s an exciting yet challenging journey ahead. Homes available for sale in Benson come with various financial assistance programs for first-time home buyers. With the right guidance and information, purchasing your first home in Benson can be a smooth and rewarding experience. Here’s a comprehensive guide to help you get started.
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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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