Meet Joe
Straight answers.
Smooth closings.
That's been the whole pitch since 2009 — and it's exactly what a non-QM file needs most.
Joe Juliano is a Loan Officer with Fairway Home Mortgage at the Eden Prairie, MN branch, licensed in Minnesota & Wisconsin. He's been in mortgage lending for 17 years, and somewhere along the way he became the person other loan officers send their "impossible" files to — the self-employed borrower with three LLCs, the investor at property number eleven, the retiree with money everywhere except a paystub.
Those files aren't impossible. They're just mis-documented. Non-QM lending is the toolbox built for them, and Joe's job is knowing which tool fits before anyone wastes a month finding out the hard way.
He answers his own phone, texts back fast, and will tell you "conventional is actually cheaper for you" when it's true — because the fastest way to earn a referral is to give away the honest answer.
How Joe works
Program-first
The right program on day one beats a rate quote on the wrong one. Joe runs your scenario against multiple paths before recommending anything.
Answer-your-texts
The number on this site is Joe's. Milestone updates come to you before you have to ask — 17 years in, that habit is non-negotiable.
Honest math
Rated 5.0 by clients on Zillow. The reviews all say versions of the same thing: he told the truth, including when it cost him.
Bring Joe the file the bank wouldn't read.
Self-employed, investor, 1099, asset-rich — two sentences by text and you'll know which program fits.