Hello! My name is Joseph Pernice, and I help clients buy a home or refinance with support from America’s #1 Retail Mortgage Lender. After working in sales for over 25 years, I joined the mortgage industry because of a deep passion for helping people realize their dream of homeownership. As a loan officer, I bring that passion to every loan, treating each deal as if it were my own and each person like family.

Whether this is your first home, your next home or a refinance, I’m here to make home financing feel simple. I’ll walk you through each step of the mortgage process, answer your questions and keep you updated on your loan. I offer a wide range of choices, from conventional and jumbo to FHA and VA. Together, we’ll build a plan that fits you.

I’m a father of three beautiful kids, and I always put them first. I try to balance work and family as best as possible. In my free time, I enjoy golfing with my son and cooking with my daughters.