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Joseph Maestro smiling outdoors in a park setting.
Professional portrait of Joseph Maestro, emphasizing trust and expertise for financial services.
Beautiful modern craftsman house with landscaped front yard and double garage.
A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #219412

Joseph Maestro

Mortgage Advisor

Joseph is a seasoned loan officer with over 11 years of experience in the mortgage industry. Joseph enjoys hanging out with his wife of 10 years and his dog. In his free time, he likes to go camping and making music with friends. Joseph plays bass, piano, and guitar. The mortgage industry was always around Joseph when growing up. Having a mother and aunts as underwriters and loan processors gave him an early eye into the industry which has helped build years of knowledge that Joseph now uses to best educate his clients. Joseph prides himself on giving personalized service to his clients and realtor partners.

Licensed in:

IL and IN

Why work with me?

5.0/5 Rating

168 reviews

Real clients. Real results.

Joe was professional and courteous throughout the process help me through the process with ease. It was a pleasure doing business with them.

Herman R

We've worked with Joe a few times now. He's great! He's very detailed, incredibly patient, friendly, personable, and explains things clearly. He answered all of our questions and helped us throughout the process. Our realtor also made a point to tell us that he really enjoyed working with Joe and how great he was. We wouldn't hesitate to work with him again.

Nancy M

I’m so grateful for Joe Maestro. He is a dream lender and is the definition of above and beyond! I literally would not have been able to secure my home without his efforts!!

Corey D

Great job, ALWAYS stays in contact to make sure everything goes well, KEPT US up to date on our progress, any issues were resolved and never any problems that weren’t handled with professionalism, intelligence and innovation 👍🏾 ALL GOOD

Carr D

Joe made the process easy and quick. He understood everything and made me feel comfortable and relaxed with the process.

Rick R

Joe Maestro was incredibly with the process of helping me to secure a loan on our new property. I would highly recommend him and Preferred Rate.

Kevin H

Joe Maestro was on top of his game. Always answered when we had questions. My family and I are extremely happy with the professionalism we experienced from Joe. Definitely will use his services again. Thank you Joe and Co. 

Jesse p

This was the Best experience ever I had the dream team on my side . I am a first time home buyer , so joe gave me the home buying 101 class was with me explaining every step of the way . He moved quickly with great expertise I can not have asked for a better lender and experience . Great guy very knowledgeable and kind at heart ! You Rock Joe and I will be sending business your way . Thank you sooo much I Love my New Home .❤️🏠

Renee J

I am very happy with my dream home and I appreciate your patience you had with me because I know as you get older you move a little slower but I learned very much with taking courses.

Sylvia T

He was great regarding the details.It was a blessing to work with Joe.

Bill T

This was my second time working with Joe to purchase a house. I also recommended him to my daughter who bought my home. We both agree Joe is thorough, patient, and always ensures you have a full understanding of everything you need to do and know every step of the way. I’d highly recommend him to anyone, but especially first time homebuyers.

Dawn S

Joe was very helpful throughout the home buying process. He explained everything very thoroughly and weighed the options that best suited my needs. I would highly recommend him.

Ashley N

Joe was very helpful and descriptive. He made himself very accessible to us whenever we had questions! There were many things I didn’t understand as a first time buyer but he made everything very understandable.

Jen L

Joe is phenomenal. Excellent communication and walked us through each step masterfully.

Nicholas M

Very helpful and detailed.

Nick M

Joe was great to work with! No surprises with the requirements and went through everything line by line with great detail of what things were! Highly recommend AND I will be using him again for our re-finance!

Kevin J

Joe was great to work with! No surprises with the requirements and went through everything line by line with great detail of what things were! Highly recommend AND I will be using him again for our re-finance!

Kevin J

Joe was great to work with! No surprises with the requirements and went through everything line by line with great detail of what things were! Highly recommend AND I will be using him again for our re-finance!

KevinJohnson8510

Joseph Maestro was by far the best person i could have asked to work with on my home buying process! Joe I appreciate you so much! I appreciate you being upfront and guiding me every step of the way. I felt I was always in the loop and provided amazing recommendations! I recommend Joseph Maestro to everyone and I will be doing future business with him! Thanks Joe!

Tiffany Torrence D

Excellent and resourceful

A K

He truly knows how to take care of his clients.

Bryan P

Very professional and helpful.

Alex W

Great communication. Very knowledgeable. And on top of everything! Made the process so smooth and easy! Highly recommend.

Agnes P

This was my first experience buying a home and Joe helped me to feel at ease during the entire experience. The only advice I'd have for Preferred Rate is to introduce the First HomeBuyers Course at the beginning of the process instead of the end. Thank you so much Joe!

Amy L

Good people. Very upfront and honest. Also very knowledgeable and able to get the job done!!!

L R

Joe is the most efficient and knowledgeable! He breaks everything down. Great energy! I would recommend Joe Maestro in a heartbeat

Barbara K

Joe was awesome!With his help and experience the entire process of securing a home loan was stress-free and so easy!I highly recommend him if you are looking to buy a new home!

Nicolett S

Joe Maestro was extremely helpful in directing me in the right direction with my effort to purchase a home.He was patient even when I became frustrated & wanted to give up.That speaks volume for me.

Keturah W

My first time buying a home and Joe was very patient, on point, and always available to answer any questions. He made this experience a good one, with me not having to stress myself out over all things.

Jacqueline S

Joe is a BIG HELP he’s an outstandingPerson, when ever you need help Joe is there Thank you Joe

luis s

Joe made a complicated process as easy as possible and was very patient and efficient.

Mary S

Joe and team are knowledgeable, patient, and very quick to respond. I learned so much during this process. I highly recommend them for their wonderful commitment to service throughout the approval process.

Dennis D

Joe was extremely helpful and gave a much appreciated personal touch to my first home buying experience. I would work with him in the future and recommend him to anyone! Thanks Joe!

Nora C

Joe is Incredibly detailed and knowledgeable. Quick responding and helpful with any questions. But most importantly Joe is empathetic and kind.

luke t

One word awesome!! Patient!! Teacher and worker!!! Joe makes it happen

This experience was amazing! First time home buyers and joe was great to work with! Will definitely refer him to anyone wanting to purchase a home!-kevin and Robin Silva

Kevin and Robin s

Joe made the process of purchasing our first property a great experience. He literally explains everything step by step to the point that I didn’t have any questions he informs you so well and is very efficient. Thank you Joe for a wonderful experience!

medinarocio312

Joe was phenomenal to work with. He was responsive, patient, and extremely knowledgeable as he helped us through this often most intimidating part of the process. We would absolutely work with him again!

Geoff A

Joe was very helpful and guided me thru every step of purchasing my home.I would recommend him to everybody looking to move or refinance their property.

Tony R

I would recommend Joe Maestro to anyone. He was timely, followed up with me frequently, and answered every question I threw his way.He is great and helped me through the entire process - the sale wouldn’t have happened without his insight.

Emily H

Joe could not have made me feel more informed and comfortable as a first time home buyer. From start to finish, he worked with us and our agent at the pace we needed. He explained everything well and took the time to make sure we knew exactly what was happening at each step of the process. He was quick to respond to questions and was overall just fantastic to work with.

Jarrett E

Outstanding Customer Service from start to finish.

David E

Was great to work with Joe. First time home buyer. Worked with Joe and closed quickly with no issues. Would definitely use again in the future for my next purchase.Thank you Joe!

Lorenzo

Joe was outstanding! Excellent communication. Willing to answer any questions with clarity.

Tyler H

Joe was OUSTANDING and I appreciated the service he provided. I would recommend Joe to anyone looking for a Lender.

Aaron R

Once again Joe Maestro came through to ensure the process would be smooth and everything I needed to do would be in order. Joe communicated well with me to make sure once we received the clear to close, WE HAD EVERYTHING NECESSARY.

fortunate.enterprise

My wife and I were introduced to Joe through our real-estate agent during our search for a town-home. Joe helped us navigate this very complicated process of getting a home-loan approved and funded. He made sure to explain all the details along every step of the process, and always kept us informed and updated. We were able to successfully receive approval and funding for our home loan and just closed on our town-home. Overall, the experience with Joe was very pleasant and professional! Thank you, Joe, for helping us bring to fruition this family project of ours!Warm regards,Jaime and Esther Torne

Jaime and Esther T

The service, communication and process was great. Cannot thank you and your team enough. You always have the answers and if you don’t you find them. Thank you for everything! Look forward to working with you again in the future!

Adam A

3rd time working with Joe and he’s still the most amazing at what he does! Thank you for always having the answers or finding them!

Paulina

Thank you for everything! A pleasure as always, a person who you know is in your corner and truly enjoys helping you. This was our third time working with Joe and definitely not the last.

Paulina A

Joe make sure he stayed in communication with me throughout the whole process and was able willing to answer any questions that I had.

Helen C

Joe was so good about updating me and answering any questions I had. I couldn't ask for an easier or more seamless experience.

Krista K

Joe always took the time to explain everything thoroughly and answered every question I threw at him. He made buying a home easy.

Alex C

I cannot say enough praises for my Lender Joe Maestro. He was so easy to talk to and explained everything so well. I would highly recommend him to anyone.

Barb M

As a first time homebuyer the process is daunting but Joe was incredibly thorough and explained every step of the process. I highly recommend Joe and his team, whether you’re a first time buyer or not!

Riley R. L

Nice Man to work with.I really appreciate you help during all this time.

JP N

At the starting I wasn’t believing is going to happen according to my people it was kind scam when I told them about 3000$.I was deeply disappointed and going slowly to accomplish my achievements.Now let’s you come visit me to my house is where you can have the full story.Thank you a lot for the job done.

Jean Paul Ndicunguye N

Loan Programs

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A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)

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1% Home Loan Program

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Conventional Loans

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Comfortable living room featuring a fireplace, wall-mounted TV, and stylish decor for a welcoming ho.
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)

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Refinance Loan
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Supporting veterans and families with VA home loan options and resources.
VA Loans
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USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
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FHA Loans
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Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
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A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
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A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
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Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Construction Financing
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Nurse smiling with tablet, promoting first responder loan programs.
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Expanded Income Loans for Home Improvements.
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Expanded Income Loans
Loan options for international clients seeking financial solutions.
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Loans for Foreign Nationals
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
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Expanded Credit Loans
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
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A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
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Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program

Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property and mortgage loan.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
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We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

Mortgage Loan Calculator

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