Meet Your Loan Officer | Joe Gonzalez

Joe has been serving King of Prussia, PA and the surrounding areas within Montgomery County for over 20 years. The principle with which Joe measures his success is one he likes to call the "WOW Factor". Joe's sole objective as a Mortgage Lender is to "WOW" his clients with superb service and professionalism. This level of commitment has made Joe the top loan executives in the King of Prussia & Montgomery County. Whether it's a million dollar loan or a first time home buyer, more Realtors, financial planners, borrowers and other business professionals bring their home financing needs to Joe than anyone else. They come to Joe for one main reason... Results!!

As an avid fisherman, Joe enjoys fighting for a good catch which include tarpon, tuna, goliath grouper, giant sturgeon and Mahi-Mahi just to name a couple.

From a dedicated and passionate employee base full of character and culture, to a forward thinking and opportunistic approach to the home buying process, we are committed to earning your business for years to come through honest communication, technological innovation and unrivaled expertise. As an experienced loan officer, I have the knowledge and expertise to guide you through the home financing process. My main goal is to help you and your family navigate the options available and make the best choice for your specific situation. Whether you're looking for your very first home, refinancing the one you have, or searching for your next dream home, I'll be here beside you every step of the way. Buying a home is one of the biggest decisions you and your family will ever make – and our team will ensure you feel confident and comfortable throughout the process.

Joe Gonzalez

Senior Loan Officer
NMLS# 126036
Cell: 610.739.6563
Office: 610.355.8039
Fax: 484.441.1347
jgonzalez@gmhmortgage.com
gmhmortgage.com/jgonzalez

625 W Ridge Pike, Building C, Suite 100
Conshohocken, PA 19428

Squad Approach - Whole Team Dedicated to Working for You
Not Your Typical Mortgage Lender
Wide Array of Unique Loan Programs Tailored to Fit Your Needs

Mortgage 101

10 Steps to Buying a Home

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Quick Tips for an Easy Mortgage Approval

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The Loan Process

Tips for a Faster Loan Approval

Prompt Communication
Respond timely to any requests for additional documents especially if you need to close by a certain date.
Complete Application
Make sure to fill out your loan application completely.
No High Ticket Purchases
Do not make any major purchases until your loan closes. This can have a harmful effect on your current loan application.
Untraceable Funds
Do not transfer money into your account that cannot be traced.

FHA Loan
FHA Loans offer a low down payment, flexible qualifying requirements and are tailored to fit a variety of needs. FHA loans are perfect for homebuyers with less than stellar credit or with less cash available for an initial down payment than usually required.
VA Loan
VA loans offer military veterans and active military members 100% financing and have flexible requirements and qualifications. These mortgages do not always require a down payment and are guaranteed by the Department of Veterans Affairs, so they do not require mortgage insurance.
USDA Loans
USDA Loans offer 100% financing, minimal down payment, competitively low rates and flexible income requirements for mortgages located in rural areas. There are several types of USDA loans that help low- or moderate-income borrowers buy, repair or renovate a home in a rural area.
Adjustable Rate Mortgages
An Adjustable Rate Mortgages or ARM, carries an adjustable interest rate. Typically a borrower will start with a lower interest rate than that of a typical Fixed Rate Mortgage, but the amount of the monthly house payment will adjust and change over time as interest rates fluctuate.
Jumbo Loans
Jumbo loans allow borrowers to secure financing much greater than the conforming limits set by regulations for homes in most areas.
Interest Only
These loans allow the homeowner to make lower monthly payments by only requiring the interest payment for a set period of time, typically in the 5-10 year range. Interest-Only Loans are perfect for borrowers whose income fluctuates or is anticipating a sizeable increase in their future income.
Conventional Loans
A Conventional Loan refers to a loan that is not backed, insured, or guaranteed by the US government. These loans can be either conforming or non-conforming.
Conventional Conforming
Loans that are generally approved for a term of 15 or 30 years.
City, County and State
GMH offers a wide variety of local programs that are specific to that area. These types of loans are sponsored by regional Housing Finance Agencies (HFA), and typically carry rates lower than the current market, resulting in lower loan payments.

Click here to visit our full Programs page to learn more.

Safe & Secure Process

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