Joe Siau

Joe Siau

NMLS 582917
Licensed Mortgage Professional, CDLP, CMA
OFFICE:(916) 305-3056
CELL:(916) 606-9188
FAX:(916) 305-3085
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About Joe Siau

As a self-published author in 4 Continent: Habits Driven is the Game Changer, now as a Reverse Mortgage Specialist and Certified Divorce Lending Professional, (CDLP), I enjoy the privilege of being a part of my client’s homeownership experience. A successful financing event is one that’s completed on schedule, the process is straight forward, transparent, involves all parties, and delivers what was expected from the start.

When I receive referrals, it is very important to me to earn that recommendation again. I know what it takes to be a professional in my industry and that my industry needs good, responsible lender.

I serve the first time home buyer to Senior Reverse Mortgage Planning, to Pre, or Post-Divorce Planning to avert issues or potential conflicts between the mortgage and the real property.

With over 25 years of technical background, as financial advisory with Merrill Lynch, tax preparation with HR Block, real estate sales, environmental law compliance with the Department of Defense, and implementing quality controls with HP & IBM, I had accumulated many perspectives to be your trusted Certified Mortgage Advisor. I believe all clients deserve to be better served than the status quo.

As a subject matter expert in residential mortgage lending, I am a solutions oriented mortgage advisor that will serve your best interests short term or long term faster than if you were to shop for lower rates with poor customer service level.

Featured in the Granite Bay View, Joe’s insight into financial mistakes and how to fix them is still relevant today for all his clients before the process even starts: Click to read on.

As your mortgage consultant, Joe wears many hats – listener, advisor, and counselor to name a few. His clients constantly ask him how he always seems to be in two or three places at once. “Hard work, experience, and truly knowing what your specific mortgage needs are,” he tells them. In an era of specialization, Joe specializes in only one thing: RESULTS.

Joe Siau has served with the Sutter Health Professional Advisors Council, USC Alumni Club of Sacramento, Sacramento State Bar Arbitration Dispute Resolution Panel, Sacramento Collaborative Divorce, and Placer County Association of Realtors. Joe is always looking for individuals and companies to partner with in sharing his vision.

PROUD TO BE AN AWARD-WINNING MORTGAGE PROFESSIONAL

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MEET THE TEAM

Marina Wang

Marina Wang

Transaction Coordinator I

I started in the mortgage industry in 2001 overseeing client relationships, marketing and providing concierge service for the team, and I still love what I do today. As a Transaction Coordinator for JoeMortgageTeam, I provide top-notch service for our clients to ensure the mortgage process goes smoothly. JoeMortgageTeam has funded over $450M in career production, and our team remains committed to financially empowering our clients.

Prior to lending, I worked in hotel management in China for 10 years as a local expatriate, all the way from construction to grand opening for 5-star hotels.  My roles have always involved improving client communications, solving team challenges and raising the bar for customer satisfaction.

When I’m not working, I like to paint, hike and travel. Most of all, I love Chinese hot and spicy food.

TESTIMONIALS

WHAT CLIENTS & PARTNERS OF Joe Siau HAVE TO SAY.

MORTGAGE CALCULATOR

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Taxes, insurance, MI/PMI, HOA, and other applicable fees are not included in this estimated monthly payment.

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GET PRE-QUALIFIED IN MINUTES

Getting a mortgage just got easier. Homeowners Financial Group proudly offers a wide range of industry-leading products with competitive rates and a personalized approach to understanding the mortgage process. Our leading technology ensures a high-tech, seamless experience every step of the way.

By understanding your unique needs, we build long-lasting relationships and fund real estate dreams. Ready to get started? Complete our online application to begin your homeownership journey.

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CONTACT Joe Siau

We pride ourselves on a straightforward approach to home financing, guiding you through your homebuying journey with clear communication and transparency. Whether purchasing or refinancing, you can expect to stay informed throughout the entire mortgage process.

Do you have any questions before starting the application or want to discuss your unique situation with me? Please reach out – I’m here to help!

CALL (916) 305-3056 EMAIL Joe Siau

RESOURCES

TOOLS FOR PLANNING AHEAD.

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BUDGET WORKSHEET

Track the flow of money with this worksheet to ensure your household takes care of necessities while enjoying the flexibility to spend on fun.

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WHO'S WHO

Understand who's who in your home loan process so you feel confident speaking to the right people and getting the right answers.

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MOVING CHECKLIST

A list so nothing gets left behind: organize your moving process for a stress-free experience that will make it easy to settle into your next place.

YOUR MORTGAGE PAYMENT MAY BE LESS THAN YOUR RENT

You could qualify for homes that are less than your monthly rent payment. Let’s explore your options.

CONTACT ME
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LOCATION

3741 Douglas Boulevard
Suite 140
Roseville, CA 95661

PHONE – (916) 305-3056
FAX – (916) 305-3085

DIRECTIONS
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SECURE YOUR DREAM HOME TODAY!

WE'RE HERE TO HELP.

Begin your home buying journey by getting prequalified and connecting with Joe Siau.