Joe Cucchiara, Branch Manager, GEM Mortgage

Joe Cucchiara, Branch Manager, GEM Mortgage Joe Cucchiara is a licensed Mortgage Planner with over 25 years of residential lending experience.

As a Mortgage Planner with CrossCountry Mortgage & Host of Real Estate Radio LIVE the podcast series, Joe is dedicated to providing exceptional informational value in anything and everything real estate®. As a residential mortgage loan officer for years (and counting!), Joe maintains a firm commitment to borrowers, referral partners, and the banking and brokerage community. My steadfast goal remains to help my clients achieve financial well-being through real estate. This is accomplished by delivering the highest levels of service, aligned with the best programs, products and options to meet your long and short term goals…throughout the life of your loan and beyond. With a firm commitment to borrowers, referral partners, and the banking and brokerage community, I believe that knowledge is power. To further my passion to share trusted real estate information, I created and launched an educational and informational platform via a radio program called Real Estate Radio LIVE. As I celebrate my 11th year as the program host, the show now podcasts on iTunes and Stitcher. With regular experts, market updates, guest hosts, and community segments, my listeners (and you too!) are encouraged to join in the engaging discussion. Prior to joining the real estate and finance industry, I served in leadership positions for a major airline company, pitched for the Cleveland Indians in the minor leagues and authored a book, “What All Little Girls Need & What Most Women Never Had . . . Healthy, Loving Relationships With Their Fathers.” I also maintain a firm commitment to work/life balance ~ I truly enjoyed fundraising for several seasons with Team in Training for The Leukemia & Lymphoma Society (Go Team!). Specialties: Residential Mortgage Planning, Radio & Television Media Experience, Strategic Business Development, Consumer Education, Home Finance Education, Team Growth & Development. Personal NMLS: 273084
Branch NMLS: 1901343
Company NMLS: 3029


Equal Housing Lender.

08/13/2026

This is a post from one of our business partners, Axos Bank!

Buying the next home before selling the current one almost always comes with a catch: an extra 15% down payment to make up for the equity still tied up in the departing residence. For move-up buyers with significant assets, that's real capital sitting idle for no good reason.
Recently, Account Executive @ Janelle Herek partnered with @ Joe Cucchiara of Golden Empire Mortgage to close a $5.4MM purchase loan at 80% LTV on a $6.75MM property, cross-collateralizing the borrower's departing residence instead of requiring additional cash down. No extra liquidation. No added complexity. Just a structure that let the borrower's capital keep working.
For brokers, this is the file other lenders walk away from. Buy-before-sell scenarios are common with move-up and luxury clients, and being the broker who can structure around them means bigger loan sizes, stronger referral relationships, and a growing share of a market segment most lenders can't touch.
Thanks to Joe Cucchiara at Golden Empire Mortgage for partnering with Axos on this transaction.

Here is a solution for all those homeowners taking their homes off the market! Most want to buy before they sell!
06/09/2026

Here is a solution for all those homeowners taking their homes off the market! Most want to buy before they sell!

We are excited to announce that Michelle Howell has joined The Cucchiara Team! Michelle brings her energy, excitement, a...
05/05/2026

We are excited to announce that Michelle Howell has joined The Cucchiara Team! Michelle brings her energy, excitement, and passion for client care and partner relationships to her new chapter. Welcome to the team, Michelle!

We are excited to announce that Shirley Dennis has joined The Cucchiara Team! Shirley brings her 30 years of experience,...
04/21/2026

We are excited to announce that Shirley Dennis has joined The Cucchiara Team! Shirley brings her 30 years of experience, including industry expertise, knowledge of loans and programs, and a remarkable track record of client care! Welcome to the team, Shirley!

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1275 Lincoln Avenue Suite 7
Los Gatos, CA
95125

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