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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!

A madison wi street with cars driving down it and a building in the background.
By Joe Huljak June 2, 2025
Madison, Wisconsin, the vibrant state capital, is a dream destination for first-time home buyers seeking a blend of urban energy and natural beauty. Known as the capital city, Madison offers a unique lifestyle with Lake Mendota, bike paths, and a bustling downtown near the Capitol Square. For first-time homebuyers navigating the home buying process in Dane County, this guide provides a comprehensive roadmap to homeownership, covering homebuyer education, payment assistance programs, closing costs, and more. Whether you’re drawn to the UW campus vibe or the live music scene, here’s everything you need to know to secure your home purchase in the city of Madison.
A row of houses with a logo for joonago mortgage services
By Joe Huljak May 29, 2025
Buying your first home is a monumental step, especially in a charming community like Lake Mills, WI, nestled near Rock Lake in Jefferson County. For first-time homebuyers, the home buying process can feel overwhelming, but with the right resources and guidance, it’s an achievable dream. This guide explores everything you need to know about purchasing a new home or existing home in Lake Mills, including down payment assistance, income eligibility, homebuyer education, and more. Let’s break it down to help you navigate the path to homeownership.
A house for sale sign is in front of a house.
By Joe Huljak May 19, 2025
Lannon, WI, a charming village in Waukesha County, is an appealing destination for first-time home buyers seeking a close-knit community with a small-town feel. Known for its quality of life, family-friendly events, and proximity to Sussex and larger cities, Lannon offers a unique opportunity to purchase a home in a welcoming environment. This article explores the home buying process, loan options, and key considerations for first-time buyers in Lannon.
A picture of a johnson creek wi house with a logo for joonago mortgage services.
By Joe Huljak May 12, 2025
Becoming a first-time home buyer in Johnson Creek, WI, is an exciting milestone, but it can also feel overwhelming without the right guidance. Located in Jefferson County, Johnson Creek, WI, is a charming village known for its small-town appeal, proximity to major highways, and access to the thriving Wisconsin real estate market. Whether you're dreaming of a cozy existing home or a new home, this guide, brought to you by Joe Huljak of Joonago Mortgage Services, will walk you through the home purchase process, financing options, and local resources to help you afford your first home.
A house with a logo that says joonago on it
By Joe Huljak May 7, 2025
As a mortgage professional at Joonago Mortgage Services, I understand that purchasing your first home is a significant milestone. For those considering homeownership in Thiensville, WI, this charming village offers a blend of small-town appeal and proximity to Milwaukee, making it an attractive option for first-time buyers.
A dining room with a long wooden table and white chairs.
By Joe Huljak May 2, 2025
Purchasing your first home is an exciting milestone, and Mequon, Wisconsin, offers a welcoming backdrop for new homeowners looking to buy. Known for its scenic Lake Michigan shoreline, strong economy, and family-friendly neighborhoods, Mequon is an ideal place to set down roots. However, navigating the home-buying process can feel overwhelming, especially for first-time buyers. This guide, crafted with insights from Joe Huljak of Joonago Mortgage Services, outlines key steps, local resources, and financial assistance programs to help first-time home buyers in Mequon achieve their homeownership dreams.
A couple standing next to a door mat that says `` first time buyer ''.
By Joe Huljak April 23, 2025
Embarking on the journey to homeownership in Brown Deer, Wisconsin, offers a unique blend of suburban tranquility and proximity to Milwaukee’s vibrant culture. For first-time homebuyers, understanding the available resources and programs can make this transition smoother and more affordable.
A key and a cardboard house are on a wooden table.
By Joe Huljak April 18, 2025
Buying your first home is a significant milestone, and for residents of Butler, Wisconsin, the journey can be both exciting and manageable with the right resources. Butler, a small village in Waukesha County, offers a tight-knit community with convenient access to Milwaukee, making it an attractive spot for first-time home buyers seeking affordability and suburban charm.
A piggy bank and a model house are on a wooden table.
By Joe Huljak April 11, 2025
North Prairie, Wisconsin, is a hidden gem for first-time home buyers seeking a peaceful, small-town lifestyle with easy access to urban amenities. This article serves as a comprehensive guide for first-time home buyers in North Prairie, WI, containing all necessary information, including real estate insights and home buyer programs, to facilitate an informed and successful home-buying experience.
A model house with a key next to it on a table.
By Joe Huljak April 3, 2025
At Joonago Mortgage Services, we specialize in helping first-time buyers navigate the mortgage process with confidence. Whether you’re exploring WHEDA loans, conventional mortgages, or down payment assistance, I’m here to find the best fit for your needs. We’ll guide you from pre-approval to closing, ensuring you understand every step and secure a mortgage you can afford long-term.
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