Joan Martinez #344782

Joan Martinez #344782 Loan Officer I MLO NMLS ID # 344782
Branch NMLS ID # 2478559
Corporate NMLS ID # 1820 I have been in the legal/real estate/mortgage field since 1982.

My experience as a real estate paralegal (retiring in 2020) and licensed title closer allowed me to be directly involved in thousands of closings. The hands-on skills and attention to details required for those positions complimented the demands and knowledge required of a Mortgage Loan Originator, a field in which I have been in since 2001. In any real estate market, there will always be bumps in

the road, which is why having an experienced Mortgage Loan Originator who can maneuver through those bumps is extremely important. What sets me apart from many Mortgage Loan Originators is not only my extensive knowledge in all aspects of a real estate closing (which includes the roles played by realtors, attorneys, title companies, surveyors, and mortgage lenders), but also my strong belief that going that extra mile for a borrower is a requirement, and not an option. For a free no-obligation consultation, feel free to reach out to me anytime. Licensed by the New Jersey Department of Banking & Insurance

How much house can you afford? When it comes to calculating your mortgage affordability, there are three main factors: y...
08/08/2025

How much house can you afford? When it comes to calculating your mortgage affordability, there are three main factors: your gross income, your debt-to-income ratio (DTI) and your mortgage-to-income ratio. Ready to calculate your affordability? Contact me today to get preapproved!

Go big or go home? ❌Go big AND go home? ✅With the help of a Jumbo Loan, you can do exactly that! Whether you live in a h...
08/07/2025

Go big or go home? ❌
Go big AND go home? ✅
With the help of a Jumbo Loan, you can do exactly that! Whether you live in a high-cost area or you’re looking to finance a more expensive property, we offer a suite of Jumbo Loan programs tailored to your specific needs and situation. Read here:
http://spr.ly/6188fceM8

When it comes to home improvement projects, why not let your home equity work for you?! Access up to $400,000 of your ho...
08/06/2025

When it comes to home improvement projects, why not let your home equity work for you?! Access up to $400,000 of your home equity in as little as 3 days with our Flex HELOC program. Reach out today to learn more!

Over the past week, mortgage rates been on the sharpest downward trend since April, bringing them to the lowest levels s...
08/05/2025

Over the past week, mortgage rates been on the sharpest downward trend since April, bringing them to the lowest levels since October 2024. Could this be the shift we’ve been waiting for? Will rates continue their descent? Let’s talk about it: http://spr.ly/6182f50Zk

Generally, better schools mean a safer neighborhood, quality education, and a higher resale value. Whether you have scho...
08/05/2025

Generally, better schools mean a safer neighborhood, quality education, and a higher resale value. Whether you have school-aged children or not, it's wise to ask your REALTOR® about school districts

It's time to bust open the books!📖 The new school year is right around the corner, so how about a quick vocabulary lesso...
08/01/2025

It's time to bust open the books!📖 The new school year is right around the corner, so how about a quick vocabulary lesson?! Scroll through to brush up on your home loan lexicon! 🎒🏫

What’s with the home buying hesitation? It’s easy to think you’re playing it safe by waiting, but you may be missing out...
07/31/2025

What’s with the home buying hesitation? It’s easy to think you’re playing it safe by waiting, but you may be missing out on some hidden perks that this current market has to offer. Acting now could give you more control, more choices, and long-term financial advantages. Here’s how: http://spr.ly/6186fnpUY

What mortgage myths are you still believing? When it comes to buying your first home, it’s important to know the facts. ...
07/30/2025

What mortgage myths are you still believing? When it comes to buying your first home, it’s important to know the facts. Scroll here for 3 things every first-time home buyer needs to hear 👂

Are you financially prepared for an emergency? An emergency fund is money that you set aside to cover unexpected, expens...
07/29/2025

Are you financially prepared for an emergency? An emergency fund is money that you set aside to cover unexpected, expensive events—like sudden loss of job or major illness. How much money should you have in an emergency fund? Experts recommend that you should have three to nine months of living expenses set aside.

Hint: It’s not just the market.Your rate can be influenced by things like: - Your credit score - How much you’re putting...
07/25/2025

Hint: It’s not just the market.
Your rate can be influenced by things like:
- Your credit score
- How much you’re putting down
- Loan type & term
- Debt-to-income ratio
- Even the property itself
Knowing what lenders look for helps you feel one step ahead!

After you’ve signed the documents, gotten the keys, and moved into your new home, what’s next? Read here for some tips a...
07/24/2025

After you’ve signed the documents, gotten the keys, and moved into your new home, what’s next? Read here for some tips and tricks to guide you through your first year as a homeowner: http://spr.ly/6187fKoST

Most sellers have one thing in common: they want to make as much money as possible when selling their home. While it is ...
07/23/2025

Most sellers have one thing in common: they want to make as much money as possible when selling their home. While it is not a requirement, working with a knowledgeable real estate agent can help you get more money for your home. Scroll through for 4 benefits of working with a Realtor®

Address

1715 Highway 35, Suite 201
Middletown, NJ
07748

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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