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.


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Use this mortgage calculator to find loan payment. Approximated monthly payment, subject to change.

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Office Phone

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(916) 305-3085




3741 Douglas Blvd.
Suite #140
Roseville, CA 95661

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Joe Siau
NMLS# 582917
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