Joe Sheehan
Mortgage Advisor - NMLS #491582
Granite Bank
Equal Housing Lender
www.nmlsconsumeraccess.org
Company NMLS #405434
Personal NMLS #2094003
Specializing in VA home loans for veterans, active-duty service members and military families. Joe Sheehan is a Mortgage Advisor and Branch Manager with Granite Bank with more than 25 years of experience in residential mortgage lending and more than $1 billion in mortgage volume. Joe began his mortgage career in Bismarck, North Dakota, and built a career that has combined production, entrepreneurship, management, education and industry leadership. He previously founded and grew his own mortgage company before selling the company to a community bank and expanding its footprint across North Dakota and South Dakota. His approach is centered on creating a personalized home-financing plan around each client's goals, budget and long-term objectives rather than treating every borrower or transaction the same. He is a certified Military Relocation Professional instructor and has spent years educating real estate professionals about serving Veterans and military families. His goal is to help Realtors recognize the opportunities available through VA financing, understand the realities of VA transactions and confidently compete for Veteran buyers. Joe's industry involvement extends beyond mortgage origination. He serves on the North Dakota Housing Finance Agency Advisory Board and the North Dakota Real Estate Appraiser Qualifications and Ethics Board. He has also served as a subject-matter expert for the North Dakota Department of Financial Institutions, participated in mortgage-industry leadership organizations and provided continuing education for real estate professionals. That broader experience gives Joe a perspective that extends beyond the loan itself. He understands the interaction between the borrower, Realtor, lender, appraiser, underwriter, housing agency and regulatory environment — and how decisions made early in a transaction can affect the outcome at closing. For Realtors, Joe's philosophy is straightforward: the lender should be part of the Realtor's team. That means communicating proactively, explaining financing strategies, identifying potential problems early, helping buyers understand their options and doing everything possible to keep the transaction moving. Joe's goal is not simply to close today's loan. It is to become a trusted lender for the client and a reliable lending partner for the Realtor for years to come.
