Joe and his team kept everything moving, answered questions fast, and turned a normally stressful process into an easy one.
Chase L. · Minneapolis, MNSmooth closing
Joe Juliano · Loan Officer · NMLS #866085
The question every buyer
actually wants answered.
Not the jargon. Not the runaround. Just: what's my monthly payment going to be?Joe's been giving Minnesota and Wisconsin buyers straight answers for 17+ years — and he'll give you one too.
No forms. No spam. No pressure. Texting a human is still the fastest way.
Joe · FairwayHey Joe, what's my payment? 🏠
Read just nowGreat question — depends on the house. Pick a price 👇
Around $2,289/moP&I + est. taxes & insurance
0.0
★ Average rating
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Verified 5-star reviews
0+
Years in home financing
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States licensed · MN & WI
17+years of
straight answers
straight answers
Meet Joe
The east-metro guy who answers his phone.
Joe Juliano has been in home financing since 2009 — long enough to have seen every kind of market and every kind of scenario. He built his business in the east metro and the St. Croix Valley, from Woodbury and Stillwater across the river into Wisconsin, and he runs it on one simple idea:your financial success is the whole point.
That means education over sales pressure. Real math over rosy promises. And answers that come back fast, whether it's your first starter home or a tricky self-employment file another lender gave up on. Now at Fairway's Eden Prairie branch, Joe pairs that approach with one of the deepest program benches in the industry.
Buying your first home?
Four steps. Zero mystery.
Most first-time buyers wait too long to talk to a lender — and pay for it in stress. Here's the whole path.
1
Text Joe
One conversation. What you earn, what you've saved, what you're hoping for. That's it — no documents needed yet.
2
Get pre-approved
A real pre-approval that sellers take seriously — usually done within a day of your documents landing.
3
Know your number
Not just what you can borrow — what you should. Joe shows the monthly payment at every price point.
4
Shop with confidence
Offers backed by a lender who answers agents on weekends. That reputation wins deals in tight markets.
Loan programs
Every tool in the box — explained like a human.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →No idea which one?
Perfect — that's Joe's job, not yours. Text him your situation and he'll narrow it down in one reply.
💬 Text Joe →Real clients, real reviews
Five stars.5.0 across 8 verified reviews
Pulled from Zillow — every word verified, every buyer real.
Quick replies, everything organized and lined up ahead of time — Joe made a first home purchase feel about as easy as it can be.
Madeline L. · River Falls, WIFirst-time buyer
A tricky income situation didn’t stop Joe — he worked hard to get the qualification done and the keys to a dream home handed over.
Elissa A. · North Branch, MNUnique income
Two home purchases with Joe, starting as first-time buyers — always available for questions and always a smooth process.
Amanda J. · Marine on St. Croix, MNRepeat client
A sudden decision to buy became a real closing — Joe reviewed the numbers, pointed out assistance options, and kept every step in the loop.
C. J. · Cottage Grove, MNAssistance programs
Knowledgeable about exactly what the financing needed and generous with his time making sure the closing landed.
Elizabeth D. · Lake Elmo, MNGuided start-to-finish
Efficient, easy to reach, and clearly appreciates his clients — the kind of lender you pick again for every future loan.
A. J. · Saint Paul, MNFirst-time buyer
Every question answered quickly, and effort that went well beyond what was expected.
Nick D. · Saint Paul, MNAbove & beyond
Joe and his team kept everything moving, answered questions fast, and turned a normally stressful process into an easy one.
Chase L. · Minneapolis, MNSmooth closing
Quick replies, everything organized and lined up ahead of time — Joe made a first home purchase feel about as easy as it can be.
Madeline L. · River Falls, WIFirst-time buyer
A tricky income situation didn’t stop Joe — he worked hard to get the qualification done and the keys to a dream home handed over.
Elissa A. · North Branch, MNUnique income
Two home purchases with Joe, starting as first-time buyers — always available for questions and always a smooth process.
Amanda J. · Marine on St. Croix, MNRepeat client
A sudden decision to buy became a real closing — Joe reviewed the numbers, pointed out assistance options, and kept every step in the loop.
C. J. · Cottage Grove, MNAssistance programs
Knowledgeable about exactly what the financing needed and generous with his time making sure the closing landed.
Elizabeth D. · Lake Elmo, MNGuided start-to-finish
Efficient, easy to reach, and clearly appreciates his clients — the kind of lender you pick again for every future loan.
A. J. · Saint Paul, MNFirst-time buyer
Every question answered quickly, and effort that went well beyond what was expected.
Nick D. · Saint Paul, MNAbove & beyond
No dumb questions
The stuff nobody explains — explained.
PMI, escrow, points, DTI… the mortgage world loves its alphabet soup. Joe's learn hub translates all of it into plain English — free, no email wall, no strings.
Browse the glossary →honest question — what even IS escrow? 😅
An honest answer: it's a holding account your servicer uses to pay your property taxes and insurance for you. Part of your monthly payment goes in, the bills get paid out. That's it. No dumb questions here. 👊
Ready when you are.
Text Joe your situation — first home, next home, weird income, whatever. You'll get a straight answer, usually the same day.