When you are about to make the biggest purchase of your life, you should have zero doubt about the loan process and your financing options.

I wish all mortgage loan originators felt this way, but the truth is that I’ve seen many instances where folks in my industry want to make a sale instead of providing a trusted service. When I began my career as a loan originator, I decided that I had an opportunity to bring positive change to the mortgage industry, even if only in my community.

From first-time buyers to experienced investors, senior citizens to our Veteran heroes, it doesn’t matter who you are or where you come from, you deserve an honest analysis of your purchasing power. I make it my goal to share the ins and outs of mortgage lending with all of my clients. After all, how can you make the best decisions for you and yours if you don’t fully understand the structure and process of the transaction?

“No” is a word I don’t like to use. If you are not ready to move forward with your home loan, I won’t give up on you or your goals. Instead, we’ll work together to develop a game plan that will allow you to achieve the dream of home ownership. We’ve all had ups and downs in our finances, but I believe that most challenges can be overcome with careful planning and a positive attitude.

What makes me different? I truly care. Your goals become my goals; your challenges are my challenges. Ultimately, I want your success to become my success.

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"Joe and his team are absolutely incredible. This was my first refinance and Joe made it easy and stress free. Joe was informative, accommodating and extremely thorough. To start the whole process he created a presentation that broke down everything and then explained exactly what I was looking at. He insured that I was informed throughout the process and knew exactly what was going on at any given time. He was also easily accessible to ask any questions that popped up and if he wasn't available at that time he was quick to get back to me. I absolutely recommend Joe and will be sending all of my family and friends to him!"
– Stevenlienx11c .


"We can't say enough positive things about Joe and his team. They worked to close our sale in what felt like record time. The school year had started for us and the new owners were expecting a baby and his whole team worked miracles really to get us out of the old house and into the new house in just one month. Amazing! Thanks, Joe!"
– Jody Orrison .


"Joe Wiggins is very personable and professional. I can't say enough regarding Joe's commnication with me throughout the loan process. Most importantly, Joe put me in the RIGHT loan. I was approved by a different lender who was trying to put me in a bad loan. Joe broke down all three options into a easy to read spreadsheet, and clearly explained each option to me. Gave me time to understand my options, answered everyone of my questions and the rest is history. Joe Wiggins and his team treated me like family and I truly appreciate their kindness. He's the best!!"


"During what can be a stressful time of home buying, Joe Wiggins was always available to answer any questions and to take some on the stress away. Even after the sale he was there to help both my banking needs."


"Joe got my daughter's and I into our forever home and we will be forever grateful!!! This was the first time buying a home on my own and he was there for me every step of the way. Always got back to me right away with any questions I had and still to this day, a year since I have bought my home, I know that he is still there for me! I highly recommend Joe to ANYONE in need of his services."


"I would definitely recommend Joe Wiggins to my family members and friends. He not only goes out of his way to help you in what ever he can in business hours but trys his best to help you in any way possible on weekends and while he's on vacation. You definitely want someone like Joe on your team!"


"Our experience with Mr. Wiggins and his staff was excellent. No complications along the way, no unexpected surprises. The entire experience was stress free."


"He is always professional and detailed on his information Joe keeped us up to date on the process of our loan. It closed n time and we would highly recommend him"


"Joe was very helpful with the entire process of buying a house using VA. He was always there, either via phone, text, or email to answer any questions. Highly recommended!!"


"Joe and his team were great. He's my first call, and has been, for years. He's supported my primary and investment properties. The last refi should hold me for a while never know what the market will bring."



Using Creative Finance to Motivate and HELP Today’s HomeBuyer

Published 2 months ago

Real Estate / Mortgage Rate Time Machine

Published 2 months ago

ARE Mortgage’s Unique Value Proposition for Referral Partners

Published 5 months ago

Countering Low Ball Offers

Published 6 months ago

Price Drop Vs Rate Drop

Published 6 months ago

Mortgage News This Week with Joe Wiggins – Week ending May 1st, 2022

Published 7 months ago



Company NMLS# 2061243

13520 Jenny St
Oak Hills, California 92344

ARE Mortgage Group, Inc. is Licensed by CA DRE #2070974, NMLS #02126318. ARE Mortgage Group is an Equal Housing Opportunity Lender.

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