With over 10 years in the mortgage industry, Joe Patterson knows how important his clients are.  He has been dedicated to exceptional service throughout his career and believes that handling transactions honestly and with integrity builds a level of trust with his clients that is unparalleled. Clients appreciate his commitment, and prove it by returning again and again.  Joe has performed a variety of functions in both the wholesale and retail mortgage markets in his career, including training and management, which gives him a broad base of knowledge and perspective.

A native of Santa Clara County, Joe earned a bachelor's degree in Business from San Jose State University. When he is not working, Joe enjoys spending time with his wife of 23 years and their four kids.  

"My clients enjoy the information and honest answers I provide. I work hard to earn their trust, and look for the right loan program for their individual needs. I make my clients feel comfortable because I take the guesswork out of the home financing process, while making sure the program is in the best interest of my client. I become their financial counselor for life - they come back again and again, and refer their friends and family to me."

Put the power of Princeton Capital and Joe Patterson to work for you - call today!

Princeton Capital is both a Mortgage Banker and Mortgage Broker. As a banker, we control the loan process from the initial interview to funding. As a broker, we have loan programs available from over 40 banks and lenders. This gives us the ability to offer borrowers choices and to find the loan program that enables you to reach your goals. Whether you are a first-time homebuyer or a seasoned investor, we have a loan program specifically for you.

The first step is a review of your credit report. Even if you're not buying or refinancing, you should do this twice a year. If there are errors or inaccuracies, we will help you fix them in order to raise your scores. A higher credit score will give you a lower rate.   

I have been certified by the State of California to offer the loan programs through Cal-HFA and Cal-STRS. We have available First-Time Homebuyer programs through Cal-HFA with 100% financing available; and we have special loan programs for teachers through Cal-STRS. Please call for details!

"Joe Patterson did an excellent job of taking care of our loan..." Mary S. 

"We have refinanced three times...because of your competitive rates and outstanding customer service."  Susan L. 

"Fantastic service!" Craig K.