top of page

Your Home Loan Starts with the Right Vision

Transform your relationship with housing

Why I Chose to do Loans

Helping people navigate the obstacles of achieving homeownership is what gives me joy. Today, real estate transactions have become too transactional and commercialized. I endeavor to provide every First Time Home Buyer with an experience as bespoke as their loan. 

Home: Headliner
Timothy Joe's headshot

​
My Story

I started my real estate journey in 2003 as an apprentice, then went on to manage and flip hundreds of homes with investors—an experience that gave me a deep, practical understanding of housing.

​

Beyond real estate, I’ve spent years involved in nonprofit work. At the USC Shoah Foundation, I helped preserve the voices of genocide survivors through powerful visual storytelling. With the FH Foundation, I supported research and advocacy for those affected by Familial Hypercholesterolemia, a rare genetic condition.

​

These experiences shaped how I serve others—with empathy, purpose, and perspective.

​

I'm proud to give back to the community that shaped me. I’ve served on the Board of Directors for the Arcadia Historical Society and the California Association of Mortgage Professionals. Today, I continue that work as a Board Member of the Arcadia Police Foundation, helping build stronger ties between law enforcement and the people they serve.

Loan Programs

Lenders base preapprovals on your income, assets, debts, and credit history. But your financial life is more nuanced than numbers on paper. Only you know what you’re truly comfortable paying upfront and each month—which is why you ultimately decide how much to spend on a home. Tell me about your financial goals as they relate to homeownership—whether it’s minimizing your monthly payment, paying off the loan early, or something else entirely. I’ll match you with loan options that support those priorities. Once you find the right home, things move quickly. Choosing the right mortgage comes with tradeoffs, but I’ll be here to help you make smart, confident decisions every step of the way.

Conventional

Conventional loan, Fannie Mae, Freddie Mac

Down payment starts at 3-5%

Conventional loans aren’t backed by the government. They’re ideal for borrowers with solid credit and income, and often come with flexible terms and competitive rates.

FHA/VA

FHA loan, VA loan, Government loans, 3.5% down, low down payment

Down payment starts at 3.5%/0%

FHA loans help buyers with lower credit or smaller savings.

 

VA loans offer 0% down for qualified veterans, active-duty service members, and surviving spouses.

Jumbo

Jumbo loans, $1,000,000 loan amount, $1,500,000 loan amount, 20% down

Down payment starts at 5%

Jumbo loans are used for homes above the standard loan limits. They’re great for buyers in high-cost areas who need larger financing and can meet stricter guidelines.​

​

​

Success Stories

"I closed my house less than 30 days. He have been outstanding since the beginning of the process until the end. I was quoted low pre-approval from a different lender who said was a pro-veteran loan agency. It discouraged me and made me almost stop looking to buy. However, my real estate agent referred me to Timothy Joe and that was the best decision I have ever made."

Marcello Lintuuran

Contact me to find
your way to happier habitations

440 E Route 66, Suite 203, Glendora, CA 91740

(626) 348-6426

Thanks for submitting!

Home: Contact

timothyjoe@villagemortgage.net

Subscribe to Receive Exclusive Mortgage Rate Updates

Thanks for submitting!

  • Yelp!
  • Instagram
  • Facebook

©2025 by Timothy Joe 

We understand the importance of your privacy. We assure you that your mobile phone number and other related information will not be shared with third parties or affiliates for marketing or promotional purposes. We are committed to maintaining the confidentiality and security of your personal information.

​

​Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550
The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.

bottom of page