Joseph A. Varni, Providing Low Rate No Hassle Mortgages

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Email: javarni@comcast.net

Phone: (209) 992-1281

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Low Rates. No Hassle.

Find out how Joseph Varni can help make qualifying for a low rate mortgage EASY.

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Get your FREE copy of my Cheat Sheet and Checklist...

"MORTGAGES MADE EASY..."

"How to Qualify For a Low Rate Mortgage without the Headaches, Hassles, or Haggling!"

Get Your Guide and Checklist Now!

I'm Joseph Varni, and I'm Here To Help

You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

I've got great news... I'm here to solve that all for you. Check out the reviews from other folks just like you that I've worked with.

Whether you need a mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

I look forward to hearing from you.

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Veteran Owned, Serving Veterans

Joseph Varni is proud to have served his country, and is now proud to serve the Veteran and Active Military community.

Would you like to discuss your mortgage with me?

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All consultations are NO CHARGE and NO OBLIGATION.

What I Do

Outstanding Communication and Follow-up

We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan.

Professional Support

Count on us to be there with you and to help you navigate the entire mortgage process. We'll help you cut through the red tape and avoid the common mistakes people make.

Competitive Low Rates

We work with you to find the right program and secure low market rates to make sure you are paying the lowest payment each month.

Close Your Loan On Time

Not all lenders can close quickly or on time. We work closely with you through the process to meet all deadlines and make sure that your loan closes on time.

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Have questions about the mortgage process?

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Who I Help

First Time Home Buyers

We know how overwhelming the process of buying a home is, especially if it is the first time that you're doing it. We will work closely with you to explain the process, to protect you from making mistakes that could cost you later, and to ensure that your mortgage gets approved and you get the home that you are so excited to be buying!

Move Up and Second Home Buyers

Buying a new home when you currently own one has it's own unique set of concerns. We can answer all of your questions about how to qualify and purchase a home when you already own one whether you're buying a new primary residence or a second vacation home.

Refinancing Home Owners

If you already own your home but you are looking to refinance to either save money with a lower interest rate or possibly take some cash out for any reason, we can help you with that. We also can show you how to make sure you are structuring your new financing to get the best deal possible.

Investment Buyers

If you're buying real estate for investment purposes, we can help you secure low rate financing to maximize your ROI.

Seniors Seeking Reverse Mortgages

If you are 62 years or older and are looking for options to stay in your home without a mortgage payment or to access your home's equity while still living there, I can answer your questions about reverse mortgages so you can decide if they are right for you.