Joe Siau

Joe Siau

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

With my career extending from financial advisory with Merrill Lynch, tax preparation with HR Block, real estate sales, practicing environmental law compliance with the Department of Defense, and implementing quality control with HP and IBM I have accumulated many perspectives to be your trusted mortgage advisor and Certified Divorce Lending Professional. I believe everyone deserves fast, professional non-legal/non-binding advice without paying for it instead of spending time researching and paying for consultations. I believe everyone deserves the “WOW” service! I believe everyone deserves homeownership!

My in-depth knowledge of the mortgage process allows me to quantify how you can use your present home mortgage or new financing to lower your overall debt, improving your leveraging structure or maximizing your real estate holdings. With 25 years in mortgage lending, I believe with my technical perspectives, I am a solution oriented mortgage advisor that will serve your best interests long term faster than if you were to shop for advisors or lower rates. Why pay for advice or wait for someone to get back to you when I can provide fact finding tips and outline your options for you in a true no-cost mortgage review. If I can outline and define your situation in a timely matter and relate that to your home mortgage financing, I’m hoping I can save you time and money in the long run regardless of if you choose to finance with us today or in the future. Please also know that getting the wrong mortgage can cost you thousands of dollars in the long run.

At any point in your home loan journey you, your family and friends can count on my professional services when:

  • Reviewing mortgage strategies: debt consolidation, divorce buyout, probate division
  • Deciding refinance options with zero closing costs vs paying closing costs
  • Qualifying to purchase a property as a first time home buyer or buying your next home pre or post divorce

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.

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.

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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GET PRE-QUALIFIED IN MINUTES

Homeowners Financial Group 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.

We pride ourselves on a straightforward approach to home financing, guiding you through the mortgage process with clear communication and transparency. Whether purchasing or refinancing, you can expect to stay informed every step of the way.

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

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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.