Here's some information on purchase mortgage loan options to help improve your home buying experience.


Purchasing a home is one of the biggest financial commitments you are likely to make. You might be buying a home as owner occupied, meaning the home will be your primary residence, or a second property to use for a vacation home or as an investment property to rent or sell for profit. Working with an experienced mortgage broker, like Joe Huljak, and one of our preferred real estate agents is absolutely key! Together we can ensure that you will find the right home for the right price that meets your long and short-term financial goals.


How does having an experienced mortgage broker help you get the best home purchase financing?

Having a trusted and an experienced mortgage broker can make a significant difference in the home affordability and your financial health throughout the future. We know that when first time home buyers find the home of their dreams, they are often so eager to buy a home that they do not take the time to shop around for the best mortgage rates and terms. This is a huge mistake! Your mortgage terms are going to affect your financial health and stability throughout the life of your mortgage loan (and possibly beyond).


Home Buying

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.


Not all mortgage brokers are created equal! Choose the Right Mortgage Broker like Joe Huljak at Joonago Mortgage Services.


Purchase Money Mortgage

Remember, choosing your home financing options is a financial decision that will affect your life for many years to come. Your mortgage is not like a renter’s contract. You will not automatically be released from it in a year or less. You can’t meet with your landlord and work out new payment options whenever you have a problem. With today’s historically low mortgage rates, it’s a prime time to buy a home. But if you end up with the wrong type of mortgage loan, you may not be able to change your loan or interest rate later. Joe Huljak at Joonago Mortgage Services is one of the best mortgage brokers in the greater Milwaukee area!


Why do you need an experienced real estate agent?

Having an experienced real estate agent can play a big role in getting you the right home at the right price. A real estate agent knows the area, as well as the market, and can help you navigate through the obstacles of buying a new home. For instance, there is an excess of inventory in the Greater Milwaukee housing market but a general lack of properties are priced right. This is particularly true in the more desirable areas. A home that is initially priced accordingly may be fought over because of the location. The ensuing bidding war usually results in the buyer overpaying for the property. A diligent and trusted real estate agent that is working for your interests and not for their own profit is invaluable to avoiding this kind of scenario. They can help filter through potential properties to find the best match, negotiate your terms, and prevent you from making common home buying mistakes. Working with a trusted real estate agent ensures you will find the home that best fits your needs and that your home buying experience will go as smoothly as possible.


Home Financing

Another mistake first time home buyers often make when looking to purchase a home in Milwaukee is to get emotionally attached to a home without fully considering all of the aspects of the financial commitment they are about to make. Remember, the type of mortgage you choose and the costs associated with it, including your mortgage rate, require careful attention to transaction details. If you don’t shop around for the best mortgage broker in Milwaukee, or worse, try to negotiate the mortgage loan options on your own without fully understanding the finer details, you’re asking to lose money. A trusted Joonago mortgage broker working for your best interests is a must when it comes to saving money while buying a home. Plain and simple.


Buying a Home

When you are ready to buy a primary or secondary home there are three things you should do to ensure you are getting the appropriate loan program with the best possible mortgage rate and term: research the relevant information, pay careful attention to transaction details, and find a trusted mortgage professional and real estate agent who will work for your best interests.


You have one of the three already with Joonago Mortgage Services.

Testimonials

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 went 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

Joonago Mortgage makes home buying easy. They were helpful each step of the way and I was always informed of where we were in the process. They are very fast and responsive. Their proactive approach made it a very stress-free experience. Not the first time I’ve used them and I came back to them because I’ve had experiences with other companies that were a nightmare. The Joonago team is great, you won’t be disappointed!

Candy Slane

I have used Joonago Mortgage for both an initial home purchase as well as a refinance. Joe was very professional, extremely knowledgeable and always prompt in his responses to questions. He also secured us a lower interest rate than I had ever hoped for. Twice! Highly recommended!

Alisa Milano

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

I have used Joonago Mortgage for both an initial home purchase as well as a refinance. Joe was very professional, extremely knowledgeable and always prompt in his responses to questions. He also secured us a lower interest rate than I had ever hoped for. Twice! Highly recommended!

Liz Miller

Highly recommended working with Joe. He is incredibly fast and efficient. Most of my transaction was via text and a few quick calls.

Makes working with him really really easy.

I brought a strong competitive rate to Joe from a big bank. Joe worked to nearly eliminate my closing costs and keep the monthly rate the same.

Nicholas Jackson

Thank you Joe! When my previous lender denied my mortgage 4 days before closing I didn't know what I was going to do. Joe to the rescue, we were able to close the deal and save our house. Thanks again!

Ron Sween

This was my second time working with Joe and I will continue to go back to him. He is incredibly responsive and great to work with. He spends the time with you to make sure you understand the process and feel good about what's happening.

Zach Lawlor

I am beyond happy with using Joonago Mortgage Services. Joe’s knowledge and customer service ability made my loan process easy. He offered the most cost-effective options and took the worries away. I would highly recommend using Joonago Mortgage Services.

Lindsay Adair

We purchased our home threw them and refi. All of our experiences were top notch. Joe is hard working and always available to answer questions. I would use them time and time again. Thank you for all you do.

Kevin Petersen

It was great working with Joonago from start to finish. They were recommended to me by a friend because I was looking to do a refinance on my house that I had purchased less than two years ago. They were able to get me a great rate that I couldn’t pass up on. Also, they were really patient with me. I had a number of questions and they always responded quickly. Highly recommended.

Dan Fleming

As a first time homebuyer from out of state, I cannot speak highly enough of the Joonago team! They were patient with questions and made sure to take extra time to make sure I understood processes. I have the utmost confidence that Joonago provided me services that were most beneficial to me and I would not hesitate to work with them again. I highly recommend them!

Kiahra Klinghagen

I want to say that Joe with Joonago Mortgage has changed me and my children’s lives... from day one he has remained hard working, consistent and caring. He stayed updated on my home buying process and never missed a beat... I have been sharing his name and information with everyone who mentions home ownership possibilities, and will continue to do so...

Thank you so much Joe for holding my hand through this process to the end!!!

Aisha Harmon

Joe was fantastic and very responsive! Helped me purchase my first property.

Matt Blanchard

Joe and team make the refinance process so easy. They are very responsive and make sure you know all of our options before moving forward. We have used Joonago Mortgage Services to purchase two homes and for a refinance - and trust in them 100%. Great, knowledgeable organization!

Natilie Dotzauer

Amazing!! Joe made our refinance quick and easy. He researched our home and neighborhood and knew what our value was before we even started the application.

We’re saving a ton each month on PMI and interest. Thanks so much Joe!

Jackie Aschenbrener

Working with Joe was a great experience. He is always very quick and concise with communications. A top rated provider in my book.

Jeff Bourdo

This was my second time working with Joe at Joonago Mortgage and he is the best. He always follows up and makes the process of buying a home or refinancing a breeze. I definitely recommend Joonago Mortgage and hope to work together again!

Justin Yonke

Amazing!! Joe made our refinance quick and easy. He researched our home and neighborhood and knew what our value was before we even started the application.

We’re saving a ton each month on PMI and interest. Thanks so much Joe!

Jackie Aschenbrener

Working with Joe was a great experience. He is always very quick and concise with communications. A top rated provider in my book.

Jeff Bourdo

This was my second time working with Joe at Joonago Mortgage and he is the best. He always follows up and makes the process of buying a home or refinancing a breeze. I definitely recommend Joonago Mortgage and hope to work together again!

Justin Yonke

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This is for informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval and property qualification. Cash reserves may be required. Joonago Mortgage is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. Joonago Mortgage - 7700 W Bluemound Rd, Wauwatosa, WI| 920-378-0002 | Wisconsin NMLS 249858 AZ Mb-0945285 www.nmlsconsumeraccess.org | Equal Housing Opportunity. You should always be speaking with a highly qualified mortgage advisor that can educate you on all these factors and how to get the best mortgage. A mortgage advisor should educate and empower you to make good financial decisions.