Joe Siau graduated from USC in 1986 and received an environmental law certification from UC Berkeley in 1996. He has been a licensed Real Estate Broker/Lender for 23 years with over 2,000 successfully closed escrows. Joe has prepared taxes for HR Block and was a Financial Advisor for both Merrill Lynch and Plan Well Live Well. In addition to traditional purchase financing/refinancing and portfolio financing, Joe is now a Licensed Mortgage Professional, certified in divorce lending with Homeowners Financial Group USA, LLC.
As a Certified Divorce Lending Professional, Joe reviews support/maintenance structures, as well as recognizes tax implications that may conflict with mortgage financing strategies pre- and post-divorce. Joe is knowledgeable of IRS tax rules as they relate to real estate and divorce. Joe can offer financing solutions to clients throughout their challenging and difficult times in a professional manner and as a knowledgeable resource.
Joe Siau is presently on the Sutter Health Professional Advisors Council, Sacramento State Bar Arbitration Dispute Resolution Panel, and the Sacramento Collaborative Practice Group as a Financial Planner (www.DivorceOption.com).
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 and his team were fantastic to work with. They were definitely the “WOW” team. I would highly recommend him to family and friends. We had a more complex situation with being self-employed and retired but Joe handled everything with ease and he really helped to reassure us along the way. He is very experienced and can be relied upon to follow through and get things done as fast as possible. Couldn’t have asked for a better experience!!” – Debbie S.
“Joe and his team did deliver “WOW” service. Joe has been our mortgage professional for many years and we each time he goes above and beyond to answer every one of our questions, regardless of how detailed or simple. Our most recent outcome was fantastic and we locked in a rate lower than anticipated!We HIGHLY recommend Joe and his team and will continue to refer our friends and family.” – Tanya F.
“Joe and his team were fantastic to work with. I would highly recommend him to family and friends. We had a complex situation with estate probate and a reverse mortgage over the property and Joe handled the complexities with ease and it really helped to reassure us along the way. He is very experienced and can be relied upon to follow through and get things done as fast as possible. Couldn’t have asked for a better experience!!!” – Cindy B.
Can’t imagine a better lender
“We came to Joe after an unhappy experience with an unresponsive lender, and we are so thankful to have found Joe. He was endlessly patient with our questions and did not push or rush us at all. We had a unique situation, and Joe was very knowledgeable about different options we could take. I was most amazed, however, by Joe’s communication skills. The mortgage process is confusing, and he was able to deliver info in a way that did not intimidate us. Also, he responded within minutes at times, including late nights and weekends. I knew that surely we were not his only clients, but he made us feel like his full attention was on us and making sure our mortgage successfully went through. I definitely recommend Joe to anyone in need of a lender. He will be the first person we contact for any future needs.” – Narmin H.