Joe Capitano NMLS #98826-Homeowners Financial Group

Joe Capitano NMLS #98826-Homeowners Financial Group We are a full-service mortgage banker committed to serving your lifetime of lending needs, while maintaining a culture focused on family and giving back.

Mortgage Banking, FHA, VA, Conventional. Hero's Home Advantage Program for Military, Law Enforcement, Fire Fighters, HealthCare/EMT,Teachers.

06/07/2026

A GOOD DEED OFTEN COMES BACK TO BITE YOU! In the last couple of weeks I've had 3 transactions killed because someone co-signed for someone for a loan, usually a parent but in 2 cases it was friends. Some don't realize when you co-sign, you obligate yourself for the entire loan. If you are still considering it, demand the other party make the payments AND KEEP A PERFECT, DOCUMENTABLE record of the payments. In most cases after proof of 12 consecutive payments, we can get that effect of the debt taken off the qualifying process if you're trying to buy or refinance your property. BUT, keep in mind, you are STILL liable should they default in the future or miss payments. Your best bet is DON'T DO IT! If you have any questions please contact me at [email protected]

Trying to buy a home? Then stop: 🚫 Opening new credit cards. 🚫 Making big purchases. 🚫 Ignoring your credit score. 🚫 Ski...
06/01/2026

Trying to buy a home? Then stop: 🚫 Opening new credit cards. 🚫 Making big purchases. 🚫 Ignoring your credit score. 🚫 Skipping out on saving.
Buying a home starts before you find the one—get your finances in check and your future keys will thank you. 🔑
https://myoc.io/dS2YoYlYcpv

NMLS # 98826

Whether you're a veteran or active duty, navigating the mortgage process can feel daunting. I'm here to make it seamless...
05/28/2026

Whether you're a veteran or active duty, navigating the mortgage process can feel daunting. I'm here to make it seamless and rewarding.

Are you a veteran looking for a mortgage that works for you? Reach out to discuss how I can support your dream of homeownership by providing personalized mortgage solutions. Let's make it happen together!

https://helpvet.net/listing/joe-capitano/

https://myoc.io/dS2YoYlYcpv

NMLS # 98826

A home is where life unfolds — but it’s also where stability takes root. Before you spend your tax refund, consider this...
05/25/2026

A home is where life unfolds — but it’s also where stability takes root. Before you spend your tax refund, consider this:

It could help you buy a home.

Refund money can go toward closing costs, a lower payment, or a stronger offer. A refund isn’t just extra cash. It’s a head start.
https://myoc.io/dS2YoYlYcpv

NMLS # 98826

Today we pause to remember and honor those who gave their lives in service. Wishing you a safe, meaningful Memorial Day ...
05/25/2026

Today we pause to remember and honor those who gave their lives in service. Wishing you a safe, meaningful Memorial Day with time to reflect—and time at home with the people you love.
https://myoc.io/dS2YoYlYcpv

NMLS # 98826

Thrilled to announce I've been listed as a trusted lender on HelpVet.Net! 🎉 Whether you're a veteran or active duty, nav...
05/13/2026

Thrilled to announce I've been listed as a trusted lender on HelpVet.Net! 🎉 Whether you're a veteran or active duty, navigating the mortgage process can feel daunting. I'm here to make it seamless and rewarding.

Are you a veteran looking for a mortgage that works for you? Reach out to discuss how I can support your dream of homeownership by providing personalized mortgage solutions. Let's make it happen together!

https://helpvet.net/listing/joe-capitano/

https://myoc.io/dS2YoYlYcpv

NMLS # 98826

Most people overestimate what it takes to buy…and underestimate how close they already are.Not because they’re wrong—but...
05/11/2026

Most people overestimate what it takes to buy…
and underestimate how close they already are.

Not because they’re wrong—
but because no one’s ever actually shown them their real numbers, options, or path.

Clarity changes everything.
And usually, it changes faster than you expect.
https://myoc.io/dS2YoYlYcpv

NMLS # 98826

Celebrating the moms, stepmoms, grandmas, aunties, and mother-figures who make life feel steady, safe, and loved—like ho...
05/10/2026

Celebrating the moms, stepmoms, grandmas, aunties, and mother-figures who make life feel steady, safe, and loved—like home.
https://myoc.io/dS2YoYlYcpv

NMLS # 98826

04/28/2026

RETIREMENT!!!! What a great sound to many. Perhaps you are one of them and are considering downsizing and enjoying the amenities and lifestyle of the many "Retirement Communities" around the valley, and there are many. One of the interesting traits of these communities is that many residents clear out in the summertime as those who could afford to avoid the heat, leave, and new buyers aren't coming till the Fall. What this means for you is, sellers still looking for buyers find the activity shrink dramatically. So you can STRIKE WHILE THE TEMP IS HOT! (sorry, I couldn't help myself). I have strong professional Realtors who specialize in these areas and know where the motivated sellers are. Contact me at [email protected] and I'll hook you up.

04/28/2026

Every afternoon, my company sends me a list of the closings scheduled for the next day. Anyone who says the market is slow, in my opinion, based on facts, is uninformed. That usually happens when the media reports negative articles. If that's all you get, sooner or later, that's all you believe. I'm here to tell you, once again by facts, the market is HOT, and people are making deals and capitalizing on the fears of the uninformed. Don't fall for the fear tactics. Capitalize on them. Let's talk positively...[email protected]. Veterans..visit helpvet.net for great informaton.

Address

16165 N. 83RD Avenue, SUITE 200
Peoria, AZ
85382

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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