Joseph Girouard, a mortgage broker, works on behalf of potential borrowers to discover the best lender and mortgage loan package for first-time home purchasers or homeowners looking to refinance. He is in the business of selling real estate properties owned by others to borrowers who want to purchase the property. He works to assess the needs of borrowers and lenders. He collects information from the prospective homeowner and then matches them with an appropriate lender.

Joseph considers it his responsibility to review borrower’s applications, credit reports and financial information to find the best possible matches. He works to balance the factors such as the length of the loan repayment schedule interest rates and monthly payment amounts, depending on each client’s financial situation. He negotiates the details of the loan between the two parties.

Joseph Girouard meets with clients and gathers all the necessary documentation to create and submit the loan application, research mortgages and interest rates of various lenders, and acts as a resource and middleman for the application throughout the mortgage process.

Being a highly motivated and entrepreneurial-minded mortgage broker, he has an established book of real estate and lending institution contacts and a proven track record of matching lenders and mortgage products to potential borrowers. He meets with potential applicants and buyers to determine each client’s specific lending or refinance needs.

Joseph Girouard educates clients on various loan products, funding sources, buying or refinance process, and lending guidelines. Joseph collaborates with the real estate agent, lender’s underwriting department, other mortgage professionals, and closing agent to ensure a smooth transaction.

About Joseph Girouard

As a mortgage broker, Joseph Girouard possesses a strong understanding of mortgage products and loan process from origination to close. He possesses mortgage loan origination and holds exceptional communication skills and time management skills. Joseph educates himself on the financial standing of the borrowers and attempts to connect them with a lender who is a good fit and provides a good interest rate for the borrower.