Experience: Joseph has lived in the area for over 25 years and has an extensive knowledge of the surrounding areas as well. He is a consistent multi-million dollar producer having sold residential, ranchette, investment and commercial property in Stanislaus, Merced and San Joaquin counties. Experienced in traditional, distressed (short sale) and bank-owned properties. Joseph received his Bachelor's Degree from the University of the Pacific in Stockton, CA. As a full-time Broker Associate/Realtor, he brings to Century 21 M&M and Associates over 20 years of banking, lending and real estate experience. Education: Bachelor's Degree. University of the Pacific, Stockton, CA. Professional Associations: National Association of Realtors, California Association of Realtors, Central Valley Association of Realtors, CDPE (Certified Distressed Property Expert)
*Based on a 30-year fixed rate of 4.75% with 20% down. The estimated payment is offered for convenience and is not an offer of credit.
Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and
property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers.
Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.