Joonago.com Terms of Use

The use of the web site (the “Web Site”) is subject to the terms and conditions stated herein. Use of the Web Site constitutes an agreement by you, the user, that your use is governed by these terms and conditions. In addition, when using particular Joonago Mortgage (“Joonago”) services, you will be subject to any guidelines or rules applicable to such services that may be posted from time to time.


Ownership of Intellectual Property/Usage Restrictions

The works of authorship contained in this Web Site, including but not limited to all design, text and images, are owned, except as otherwise expressly stated, by Joonago or its licensors. United States and worldwide copyright laws and treaty provisions protect the contents of this Web Site.


You and other Web Site users may not:

Copy, reproduce, modify, use, republish, upload, post, publish, license, create derivative works from, transmit or distribute in any way material from the Web Site without Joonago Mortgage Services express written permission. Copy, modify or display trademarks, names or logos appearing on this Web Site in any way without Joonago Mortgage Service’s express written permission. Redeliver, transfer, or sell any information, software, lists of users, databases or other lists, products, or services provided through or obtained from the Joonago.com Web Site. This includes among other activities, using “framing”, “scraping”, “screen scraping,” “database scraping”, or any other activity with the purpose of obtaining lists of users or other information and includes any of the pages, text, images or other content of this Web Site technology without Joonago’s express written permission.


Soliciting any of the individuals or companies listed on this web site for purposes of selling products or services is prohibited.


You agree that you will not use the Joonago.com Web Sites in any manner that could damage, disable, overburden, or impair the Joonago.com Web Sites or interfere with any other party’s use and enjoyment of the Joonago.com Web Sites. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Joonago.com Web Sites.


Except with the written permission of Joonago Mortgage, you agree that you will not create links from any web site or web page to any page within the Joonago Web Sites with the exception Joonago.com the Joonago.com Web Sites homepages, including, but not limited to pages currently located at Joonago.com. The origin of any such link to the Joonago.com Web Sites homepage must be accompanied by a clear and prominent attribution indicating that the link is connected to the Joonago.com Web Sites homepage. You agree that if you create any link to the Joonago.com Web Sites that you will not employ any technology that results in the placement of content from the Joonago.com Web Sites in a frame and/or a reduced pop-up window and/or any other display mechanism which changes the Joonago.com Web Sites from how they would appear if a user typed in their URL to a typical browser line. You agree that Joonago.com may in its sole discretion and at any time terminate your access to and use of the Joonago.com Web Sites, or any part thereof, with or without notice.


Web Site Security

You are prohibited from violating or attempting to violate the security of the Web Site, including, without limitation, (a) accessing data not intended for your viewing or logging into a server or account which you are not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization or (c) attempting to interfere with service to any user, host or network. Violations of system or network security may result in civil or criminal liability. Joonago Mortgage Services. will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.


LIMITED WARRANTY

JOONAGO MORTGAGE SERVICES (Joonago.com) WEB SITES ARE PROVIDED “AS-IS” AND “WITH ALL FAULTS” AND, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL OTHER REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, REGARDING THE WEB SITES, INCLUDING WITHOUT LIMITATION ITS FITNESS FOR A PARTICULAR PURPOSE, ITS QUALITY, ITS MERCHANTABILITY, ITS PERFORMANCE, ITS NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, OR THE RESULTS OBTAINED BY USING THE WEB SITES. THE COMPANY DOES NOT WARRANT THAT THE WEB SITES ARE FREE FROM BUGS, VIRUSES, ERRORS OR OTHER PROGRAM LIMITATIONS.


LIMITATION OF LIABILITY

JOONAGO MORTGAGE SERVICES (Joonago.com) SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER USER OF SUCH INFORMATION OR TO ANY THIRD PARTY FOR ANY LOSS, EXPENSE, OR DAMAGE, INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES AND INCLUDING LOST PROFITS OR LOST REVENUE, CAUSED DIRECTLY OR INDIRECTLY BY THE USE OR RELIANCE UPON SUCH INFORMATION. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEB SITES. USE OF Joonago.com WEB SITES IS AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE Joonago.com WEB SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE Joonago.com WEB SITES.


Indemnity

You will indemnify, defend and hold harmless Joonago Mortgage Services (Joonago.com) and its officers, directors, employees and agents (each, an “Indemnified Party”) from and against any and all claims, demands, losses, costs, expenses, liabilities and damages of any kind or nature whatsoever (collectively, “Damages”) incurred by any Indemnified Party arising out of, in connection with or resulting from (i) your use of the Joonago Mortgage Services Web Sites or (ii) your breach of this Agreement.


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

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.