Contact Lender

Please enter a first and last name.

Please enter a valid phone number.

Please enter a valid email address

Please fill in a note to the lender (5 character minimum, 800 character maximum).

Submitting contact...
An unexpected error occurred. Please try again later.
Profile picture for Joe Cafiero

Joe Cafiero

Zillow All Star

The All-Star badge is given to top contributors of the Zillow community. These are active Zillow users who share their real estate knowledge and help others by contributing high-quality content. The more and better the contributions, the more likely an award will be granted. Users' contributions can be seen in their profiles.


VP of Mortgage Lending (15 years experience)

Purchase Loan,
Home Equity

Add personality to your profile! Tell the community about yourself, your home, and your profession.

My name is Joe Cafiero and I am the VP of Mortgage Lending at Guaranteed  Rate. I have been in the business for over 10 years and am well versed in all loan programs, especially FHA. Guaranteed Rate is a direct lender dedicated to seeing the purchase of your new home go smoothly.   I live here in Wyndmoor, PA and would be happy to sit down with you and discuss all of your options. You found me here on Zillow. However, my goal is to provide you with the personal service that you deserve. In the market for a new home? I can put you in touch with great local realtors that will guide you every step of the way.
I also cover a more extended area from the Capital District of New York (where I grew up) down to the Philadelphia Area (where I currently live). I could have chosen to cover a much larger area. However, I think it is important to know the area that you are servicing. All over the United States, real estate transactions are handled differently. Your mortgage professional should be answering your questions, not asking how things are done. Please feel to email or call me with any questions that you have. I look forward to helping you acheive your home financing needs.
Joe Cafiero
More Less 

Ratings & Reviews


10/25/2014 - njra2000
Closed purchase loan.

Before I begin I just want to say that I am real and my profile is real. I have used the services from this service provider, not like those fake users who write fake reviews. It can be seen that I have been active on Zillow and will not disappear after writing this review.

It feels good to be writing this review with our own roof on our head. My wife and I decided that it was time for us to go thru our first home buying process this past summer. In early June I started applying for pre-approvals. I had approached Joe at that time. I did receive a few approvals including Joe’s. The first thing that struck me was, he had sent me a link where I could see his quote. There he had a personalized video message with his quote. I felt like a celebrity! I am a techie and I know that the video messaging has been around for some time. But having a sense in where to use it effectively will take your business to another level.

Obtaining mortgage is a serious business. I thought it was just a decoration on the Christmas tree. But when I was comparing all my approvals I noticed how low his fees were. I even had him give me quotes for various products (like ARMs and fixed), just to check. In all estimates he came out to be the winner. So, we decided to go with him. Even though his rates/fees were low, we had no idea about his services. We went ahead and took a chance. We would have taken this chance with any other lender/broker anyway. We were glad we did.

Joe and his team were very professional in all aspects. They were very thorough with all paper work needed. Joe was always available to answer my rookie questions. Even during off hours he would reply thru his mobile. There were some instances where he took care of things while he was on vacation. There were some tensed moments though close to our closing date but Joe sailed us thru successfully. His professionalism is greatly appreciated. Joe will be our mortgage guy for life!
  More Less 

Profile picture for Joe Cafiero
Response from Joe



01/16/2014 - sssnickers
We connected, but it did not work out. Looking in Montgomery, Town of Montgomery, NY 12549

Joe is a EXCELLENT knowledgeable person. He is professional yet compassionate and went the extra mile to give thoughts, and guidance on my situation. He went thru different scenarios with me and also helped on another topic somewhat related. Joe seems like the type of professional that would go the extra mile for you. Even though he / his company was not able to help me, he did his best to do so and gave me other options! I would Highly recommend him for help, assistance & guidance!  More Less 

Profile picture for Joe Cafiero
Response from Joe



12/09/2013 - AshauntaMichelle
Was pre-approved. Greendale, Laurel, VA 23228

Joe was extremely helpful in answering my questions even though he would not benefit from my purchase. That to me shows that he a love for what he does and is actually interested in helping people and not just making money. If I were in his area I would certainly look to do business with him!

Profile picture for Joe Cafiero
Response from Joe