Joe Fallica

  • Senior Loan Officer
  • NMLS: 475656
  • (434) 989-5010
  • (434) 270-8981
  • 1807 Seminole Trail
  • Charlottesville, VA 22901
  • - 5
Survey Completed on October 16, 2021

Reviewed by Peyton Spencer
"Joe was so helpful to us! We were buying our first home and knew nothing! He was patient and super easy to communicate with! So appreciative of him!"

  • - 5
Survey Completed on October 13, 2021

Reviewed by Karen Moskowitz
"Joe went above and beyond when our clients found a house to buy ... he was accessible and very helpful throughout the negotiation period, working out financing options for the buyers at each stage of our negotiation, and recommending an option that helped us get a ratified contract! Throughout the stages of the transaction, he maintained great communication between all the service providers, and carried us all the way through to closing. It's a pleasure working with Joe!"

  • - 5
Survey Completed on October 4, 2021

Reviewed by Michael Gaffney
"Joe made it great! Without him I would have gone elsewhere."

  • - 5
Survey Completed on September 30, 2021

Reviewed by Brian D. Gaffney
"Very clear communication and made the process easy on me."

Welcome to my website

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.


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Debunking 5 Myths About VA Home Loans
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Everything You Need to Know to Refinance Your Mortgage
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Is A No-Closing-Cost Refinance The Best Option For You?
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If you are thinking about refinancing your mortgage but lack the closing costs funds, then a no-closing-cost refinance may be the loan option you need to get it done. Read on to learn more about what a no-cost refinance is and how you can qualify for... Read More

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