Welcome. I'm glad you're here.
Hi, I'm Joe.
Let's work out which loan fits your home ownership goals.
I'm a Certified Mortgage Planner and the owner of Home Express Mortgage. I've been doing this since 1991. Today I'm licensed in Georgia and Florida. As a broker I work with many lenders and programs, and I answer every call, text and email.
- Certified Mortgage Planner
- In the mortgage business since 1991
- Licensed in Georgia and Florida
- NMLS #153572
Start here
What can I help you with?
Pick one. I'll show you the next three steps.
Start with a conversation
Before you apply, I'll go over your options and what to expect, so there are no surprises.
Text meLearn the basics
Short lessons on pre-approval, closing costs and what happens after you apply.
First-time buyer lessonsApply when you're ready
A secure online application that comes straight to me. Once you apply, you'll get a secure link to upload documents, then a full list of any additional items I need and a written outline of each step.
Start my applicationFor my clients
Your tools, in one place.
Apply online
Complete the application online here at joefarro.com. It comes straight to me.
Start my application →
Run your own numbers.
Purchase, refinance and side-by-side numbers, on your phone's home screen.
Some boxes start with an estimate you can change, and any starting rate shown is a conventional average, not a rate set for you.Open or install the app →
Log in
Your secure application, any time. Documents go through the secure website, never email.
Log in →
My mortgage app
My contact details and tools in one app, on your phone. Share it with family and friends.
You request it on the provider's page, not on this site.Get the app →
HomeBasisLedger
A tool I built for all homeowners to track home improvements and receipts, quick and easy. It works for investment properties too.
HomeBasisLedger provides recordkeeping tools, not tax advice.Open HomeBasisLedger →
Home Report
A free report on your home's estimated value and market data. The value is an estimate from market data, not an appraisal.
From an outside provider; you sign up on its page, under its privacy policy. Its figures aren't a quote or offer from me. It shows my company as Home Express Group; the name on record is Home Express Mortgage, NMLS #2617711.Get the Home Report →
In writing
My promise to you.
The Home Express Mortgage Guarantee, in my own words.
- Before you apply, clear understanding of options and expectations - once you apply, you get a full list of any additional items I need from you and a written outline of each step, so no surprises.
- I answer every call, text or email.
- You get personal status updates on approval progress through closing.
- Everyone in your transaction, you, your agent, the settlement company and the lender, is updated at the same time. - That's Five Star Communication.
- If I can't do something I will let you know where to go.
- Our relationship does not end at closing. Call me about your mortgage, your home or your next move for as long as you own the home.
— Joe Farro
Five Star Communication
Everyone hears the same thing, at the same time.
It's how I run my files. The same status update goes to everyone in your transaction at once, by email and phone, so nobody is the last to know. Status is shared with your OK.
An update at every milestone
- Application
- Appraisal
- Conditional approval
- Clear to close
- Closing
From application to closing, everyone knows where the loan stands. Nobody has to chase anyone for news.
Reviews
In their words.
“As a first time home buyer I didn’t know everything that goes into it. Joe was fantastic at making sure I understood where exactly my money was ending up and was able to answer any and all questions my wife and I had. He made the entire moving process smooth and easy! Thanks joe.”
“Joe is great to work with. Answers the phone and any questions. My second time using him for a home purchase. Will be using him again in the future.”
“We had a great experience with Joe Farro recently when we needed a solution for a home equity loan. His process was streamlined and easy to navigate from application to closing. Highly recommend Joe and his team!”
Learn with me
Know more before you borrow.
Plain-English lessons I put together at Home Express Mortgage, and short videos on my channel.
Let's talk