Justin Joseph - Mortgage - NMLS #1743880

Justin Joseph - Mortgage - NMLS #1743880 Find the best mortgage rates today with our expert team and advanced mortgage calculator. Justin Joseph ensures a smooth path to homeownership. Loan Officer

A lower rate can look better on the surface.But a smart mortgage review looks at the full structure.What are the fees?Ho...
06/11/2026

A lower rate can look better on the surface.

But a smart mortgage review looks at the full structure.

What are the fees?
How long is the rate locked?
What is the total cash to close?
Is the payment fixed or adjustable?
How strong is the approval?
What is included in the monthly payment?

Those details can change what the loan really costs and how comfortable it feels after closing.

The goal is not just to find a good rate.

The goal is to understand the mortgage you are actually agreeing to.

Save this for later.
Send this to someone who needs to see this.



— Justin Joseph - NMLS # 1743880



• mortgage comparison tips • home loan costs



A fixer-upper can feel exciting and overwhelming at the same time.You see the potential.You also see the outdated kitche...
06/10/2026

A fixer-upper can feel exciting and overwhelming at the same time.

You see the potential.

You also see the outdated kitchen, the roof question, the flooring, the repairs, and the list that keeps growing in your head.

Before you write it off, talk through the financing.

There may be options for renovation financing, but the home, repair scope, appraisal, timeline, and payment all need to make sense together.

The goal is not to talk yourself into a project.

The goal is to know whether the project is actually workable.

— Justin Joseph - NMLS # 1743880

• renovation loan options • fixer upper mortgage

Self-employed buyers usually do not have a simple income story.You may have strong revenue, smart write-offs, changing d...
06/05/2026

Self-employed buyers usually do not have a simple income story.

You may have strong revenue, smart write-offs, changing deposits, seasonal income, or a business that looks different on paper than it feels in real life.

That does not automatically mean you cannot qualify.

It means your mortgage needs to be reviewed with the right strategy before you apply.

The earlier we look at your income, tax returns, and possible loan options, the fewer surprises you run into later.

Comment or DM me “BOSS” and I’ll tell you what a lender may use for your income.



— Justin Joseph - NMLS #1743880

• self employed mortgage

It is easy to feel stuck when rates are the loudest part of the conversation.But rates are not the only part of buying a...
06/03/2026

It is easy to feel stuck when rates are the loudest part of the conversation.

But rates are not the only part of buying a home.

There is also the payment you can actually handle, the neighborhood you want to live in, the amount of space you need, and the reason you started thinking about buying in the first place.

Sometimes the next step is not waiting for the perfect market.

Sometimes it is getting clear on your numbers so you can decide with less fear and more confidence.

— Justin Joseph - NMLS # 1743880



This happens to a lot of self-employed buyers.You may have strong deposits, steady clients, and a real ability to afford...
06/02/2026

This happens to a lot of self-employed buyers.

You may have strong deposits, steady clients, and a real ability to afford the payment. But if your tax returns show less income after write-offs, a traditional approval can get more complicated than expected.

That does not always mean you are stuck.

It means you need to know which options to ask about before you start falling in love with homes.

A bank statement loan may be one solution worth discussing because it can look at cash flow, not just tax returns.


— Justin Joseph - NMLS # 1743880

• self employed mortgage approval • bank statement loan


🏡✨ OPEN HOUSE THIS SATURDAY!📍 111 Delmonico Avenue, Franklin Twp NJ 08873🗓️ Saturday, May 30th | 11:00 AM – 1:00 PMWelco...
05/29/2026

🏡✨ OPEN HOUSE THIS SATURDAY!

📍 111 Delmonico Avenue, Franklin Twp NJ 08873
🗓️ Saturday, May 30th | 11:00 AM – 1:00 PM

Welcome to this elegant 5 bed / 4 bath brick beauty offering 3,393 SF of refined living space — featuring a grand foyer, stunning chandelier with lift system, and thoughtful details throughout.

💰 Listed at $1,049,000
📐 3,393 SF | MLS # 22615758

💳 Financing options available starting at just 10% down with monthly payments from ~$8,123/mo — ask us about all loan programs!

🤝 Hosted by:
Joseph Ge**er – Coldwell Banker Advantage | 📞 (917) 699-7596
Justin Joseph – CMG Home Loans, Senior Loan Officer | 📞 (718) 902-7417

Don’t miss this one — come see it in person! 👀🔑

Your mortgage payment may include more than principal and interest.A portion can also go into an escrow account, which i...
05/29/2026

Your mortgage payment may include more than principal and interest.

A portion can also go into an escrow account, which is used to pay your property taxes and homeowners insurance when those bills come due.

So instead of you having to remember separate due dates, your servicer collects money monthly and pays those bills on your behalf.

Here is the part buyers need to know:

Your interest rate can be fixed, but your total monthly payment can still change.

Why?

Because property taxes and insurance premiums can change.

That is why understanding escrow matters before you buy, not after you get the payment notice.

Save this for later, especially if you are comparing monthly payments right now.



– Justin Joseph - NMLS # 1743880





#[yourstate]MortgageLoans

Grand Opening - CMG Staten IslandText 718.902.7417 to rsvp
05/27/2026

Grand Opening - CMG Staten Island

Text 718.902.7417 to rsvp

Address

Staten Island, NY

Opening Hours

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

Telephone

+17189027417

Website

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