Joe Totah

Vice President NMLS #87727

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Joe Totah

About Joe Totah

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I'm thrilled to share a bit about my journey, both personally and professionally. At heart, I'm a devoted family man blessed with two wonderful children. Away from the grind, you'll find me reveling in the great outdoors alongside my beloved wife and kids, cherishing every moment together. Professionally, I bring over 20 years of expertise to the mortgage industry. My commitment to excellence was recognized in March 2013 when I earned the prestigious title of Accredited Mortgage Professional from the Mortgage Bankers Association. Known for my integrity and warmth, I am deeply committed to enriching each client's experience with personalized care and meticulous attention to detail. My approach goes beyond mere transactions; I ensure each client receives the “white glove service” empowering them with the knowledge they need for a prosperous financial future. Are you tired of interacting with loan officers who seem more focused on their bottom line than your needs? It’s time for a change. Connect with me and discover the true value of a partnership where your needs are heard and valued. I am dedicated to guiding you to the best loan options tailored to your specific goals, striving to earn your trust and respect for a lifetime. I am eager to help you navigate your path to financial success. Let’s make your dreams a reality together!



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We compete for your business by offering a wide variety of products with lower interest rates and closing costs, speedier service and a personal touch.

  • Our innovative technology streamlines the mortgage process.
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Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
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  1. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
  2. The Fixed Rate Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
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WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

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