Buying a home shouldn't feel like a second job.
Confusing terms, slow lenders who never call back, and surprise costs at closing. Most people feel lost before they ever find a house.
Licensed in FL · GA · TX · TN · AL · NJ
Get the keys to your next home without the mortgage headache.
I'm Joe, your mortgage guy. I explain every step in plain English, answer fast, and fight for the loan that fits your life, whether it's your first home or your fifth rental.
- A clear pre-approval you can shop with
- A monthly payment you're comfortable with
- A smooth, on-time closing
5.0 on GoogleNMLS #2079166Equal Housing Opportunity
You get a guide, not a call center.
You work with me directly from first call to closing day. I lay out your options side by side, tell you exactly what to send and when, and keep you and your agent updated so nothing slips.
What working with Joe feels like
Know exactly what you can afford.
A real pre-approval and a payment breakdown before you fall in love with a house.
Never wonder what's happening.
Fast replies by text, call or email, and updates at every milestone.
Close on time with fewer surprises.
Your file is checked up front so underwriting goes smoothly and closing day stays on schedule.
Real people. Real keys.
5.0 stars from 7 Google reviews
“I was introduced to Joe C. Derilus by my realtor. He's very patient and professional, and he explained everything step-by-step so you won't be confused. He's 10 out of 10. Even on the day of closing he kept in touch, and after closing he still checked to make sure I was happy. If you need a good lender, get with Joe.”
“Joe was great with my clients. He explained the whole lending process to them since they were first-time homebuyers, was patient while they gathered documents, and helped them purchase a new home in less than 45 days.”
“My fiancée and I had a great experience with Joe. What I appreciated most is how quickly he responded to any question and took his time to explain everything word by word. I highly recommend Joe.”
Loan programs for every plan
Buying your first home, refinancing, tapping equity with a HELOC, or growing a rental portfolio, there's a loan built for it.
Homebuyers
FHA Loans
Buy with as little as 3.5% down and flexible credit guidelines.
Learn more →VA Loans
Zero down and no monthly mortgage insurance for veterans and service members.
Learn more →Conventional Loans
Competitive rates and as little as 3% down for qualified buyers.
Learn more →First-Time Homebuyer
A step-by-step path to your first set of keys, including down payment assistance options.
Learn more →Homeowners
Refinance
Lower your payment, shorten your term, or tap your home's equity.
Learn more →First-Position HELOC
A home equity line of credit in first lien position when you want flexible access to your equity.
Learn more →Second-Position HELOC
Keep your first mortgage and tap equity with a second-lien home equity line of credit.
Learn more →Investors & Specialty
DSCR Investor Loans
Qualify on the property's rental income, not your tax returns.
Learn more →Fix & Flip Loans
Fast short-term financing to buy, renovate and resell.
Learn more →New Construction Loans
Financing for building a new home, from lot to move-in.
Learn more →Manufactured Home Loans
Financing for manufactured homes, with options on owned land.
Learn more →Six months from now, which one is you?
If you wait
- Still renting while prices and rents keep climbing
- Still guessing what you qualify for
- Still scrolling listings you're not sure you can afford
If you call today
- Pre-approved with a clear number
- Shopping with confidence and a plan
- On your way to the closing table with someone in your corner
Questions people ask me every day
How much do I need for a down payment?
It depends on the loan. VA loans can be zero down, FHA starts at 3.5%, and some conventional loans start at 3%. Down payment assistance may also be available. On our call I'll show you the real number for your situation.
What credit score do I need?
Many programs work with scores in the 600s, and some go lower. Every situation is different, so let's look at yours before you assume you don't qualify.
How long does it take to close?
Most purchases close in about 30 to 45 days from accepted contract. Getting your documents in early is the biggest thing that keeps it on schedule.
Does getting pre-approved hurt my credit?
A pre-approval includes a credit check, which may have a small, temporary effect. Multiple mortgage checks within a short shopping window are generally treated as one inquiry.
Which states do you lend in?
I'm licensed in Florida, Georgia, Texas, Tennessee, Alabama and New Jersey.
What does it cost to talk to you?
Nothing. The first call is free and there's no obligation. You'll leave with a clear picture of your options either way.