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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 close up of a map showing the location of oak creek wi
By Joe Huljak March 7, 2025
Hello, I’m Joe Huljak with Joonago Mortgage Services, and I’m here to help you navigate the exciting journey of becoming a first-time home buyer in Oak Creek, WI. Buying your first home is a major milestone, and Oak Creek, WI, offers a fantastic opportunity for first-time homebuyers to achieve the American dream. In this article, we’ll explore everything you need to know about the home buying process, from down payment assistance to financial assistance and home loan options, tailored specifically for Oak Creek.
A water tower that says west allis on it
By Joe Huljak February 28, 2025
Buying your first home is a big deal and if you’re looking to buy in West Allis, WI you’re in a good area. This Milwaukee suburb has affordability, convenience and community charm that’s perfect for first time home buyers. Whether you’re looking for a starter home or settling down for the long haul understanding the home buying process in West Allis will help you make informed decisions.
A road covered in leaves with a house in the background
By Joe Huljak February 21, 2025
Buying your first home is a big deal, but it can also be overwhelming—especially if you don’t know where to start. If you’re thinking of buying your first home in Jackson, WI, you’re in luck. This great little community has everything you want: small-town charm and big-city amenities. Whether you’re drawn to Jackson for its top-rated schools, welcoming neighborhoods or peaceful parks, we’ve got you covered with this guide to help you navigate the homebuying process with confidence. Additionally, the Down Payment Assistance Program is a valuable resource for first-time homebuyers in Jackson, WI, offering significant funding for down payments or closing costs.
A large white house with a brown roof
By Joe Huljak February 14, 2025
First time home buyer in Ixonia, WI? Ixonia is the top pick for anyone looking to start their journey of homeownership. Right between Milwaukee and Madison, Ixonia is small town living with big city access. With many mortgage lenders, affordable land and new construction options, buying your first home here is easier than you think. Let’s go over all the steps, mortgage loans, and a list of resources for finding your Ixonia home.
grafton wi public library brick building with a bell tower in the background
By Joe Huljak February 7, 2025
Buying your first home is one of the biggest financial and personal decisions you’ll ever make. If you’re considering settling down in Grafton, WI, you’re in luck—this charming town offers the perfect mix of small-town warmth, suburban convenience, and easy access to Milwaukee’s metropolitan amenities.
joe huljak in a suit and tie is smiling in front of a logo for joonago mortgage services
By Joe Huljak February 6, 2025
When it comes to buying a home, everyone has an opinion. Your coworker, your uncle, even the barista at your favorite coffee shop—everyone has a story about interest rates, bidding wars, and “the best time to buy.” But here’s the thing: casual conversations, or what we’ll call “coffee talk,” can lead you down a confusing (and sometimes costly) path if you take them too seriously.
joe huljak is smiling in front of a house and a logo for joonago mortgage services
By Joe Huljak February 5, 2025
For many buyers, an FHA loan is a great way to get into a home with a low-down payment and flexible credit requirements. But what if I told you an FHA loan doesn’t have to be your forever mortgage?
A logo for germantown wi with a map of the state
By Joe Huljak January 31, 2025
Buying your first home is a big deal and if you’re looking at Germantown, WI you’re making a good choice! Located in Washington County, Germantown has the perfect blend of suburban living, great schools and a strong sense of community. The village is home to diverse communities, shaped by early German immigrants and the local Potawatomi tribe, which have significantly contributed to its development and cultural identity. This guide will walk you through everything you need to know as a first time homebuyer in Germantown including market trends, loan options and tips to make the process smooth and stress free.
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.
Show More

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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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