Joe Chafey

Mortgage Master Big Valley Mortgage - Roseville BRE #01204326 | NMLS #221844

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Choosing the Right Loan Officer Makes All the Difference in the World.

It is my goal to become the mortgage consultant who partners with you to obtain the real estate financing that meets your individual and unique needs. With 30+ years of mortgage lending experience, I have an extensive understanding of all facets of the business and can provide you with the information needed to make educated decisions. I have been with Big Valley Mortgage since 2000 and our parent company, American Pacific Mortgage Corporation, is both a Direct Lender and a Mortgage Broker. This means I have the backing of a company that has access to a vast array of products, competitive pricing and a commitment to superior customer service.

I have a proven track record of taking excellent care of my clients and a strong reputation based on my depth of knowledge, integrity and respect. It only takes a few minutes to determine the home price range that you may qualify for and develop a pre-approval letter to use when shopping for a home. Once your offer is accepted, I will work diligently to obtain the best loan package for your financial needs and guide you though the process with quick response times and great attention to detail. I look forward to the opportunity to work with you to achieve a positive home buying experience.

BRE #01204326 | NMLS #221844
Dec 10, 2020
Joe really came through in getting my mortgage with less than optimal circumstances- I wasn't just plugged into an algorithm, he personally guided each doc through the financing processing. I could not have been more pleased with the results!
Oct 6, 2020
Home buyer
Joe was with us on every step of the loan process. He took the time to explain on detail all the terms and meanings.

He was completely transparent and easy to work with. He worked on our best interested to get us the best deal possible.

We couldn't have done it without him, thank you very much!
Sep 19, 2020
Joe was kind and easy to work with. Provided very clear info!
Sep 25, 2019
Treatment Coordinator-Holt Orthodontics
Joe was so great to work with from the very start up until are closing date today! His knowledge and experience helped guide us through the process, and always kept us up to date and informed. Thanks Joe!!! :)
Maddie, Bobby and Miles
May 29, 2019
Joe was a pleasure to work with! He made my first time home buying experience amazing. I appreciated his consistent communication of what to expect though this whole process. He made the experience easy and quick. Thank you Joe!
Apr 17, 2019
Real Estate Agent - Keller Williams
Joe is a true expert.

I have worked with Joe several times and he has exceeded my expectations consistently. Great communication, fastest closing times, and great rates. Thanks again Joe!

Apr 20, 2018
First Time Homebuyer
Joe went above and beyond in helping us find our first home. He was ready to answer any questions we had throughout the whole process and was on top of it the entire time.

I cannot give him a higher recommendation, he made this purchase possible for us.
Oct 5, 2017
Real Estate Agent
Joe just finished a loan for me and what a pleasure it was to work with him.
His follow up and customer service was excellent. He away went above and beyond to help me and the client! Highly recommend him for great service!
Aug 22, 2017
Escrow Officer
It's hard to express how amazing Mr. Chafey was in dealing with my quick and extremely difficult loan.

I believe I gave him as many challenges one can have yet he was able to get my daughter and me into our beautiful new home within a 1.5 months!

Joe Chafey is so knowledgeable. He was a dream come true for someone like me who not only works in the industry but now has an even higher standard for all loan officers.

Joe Chafey is a man of his word. He is in it to win it. Honest, reliable and with incredible integrity.

Thank you so much Joe!!!

Debbee and Charlie Marie Gutierrez Kirshy!
Jul 6, 2017
I was on the listing side of our transaction. Joe contacted me during the negotiations, and during the escrow he was efficient, communicative, and I was absolutely amazed at the speed and efficiency with which this loan progressed. I entered the property into the MLS and 21 days later it closed escrow. Amazing! Thanks Joe and all others who helped.
May 5, 2017
Joe got this deal done in no time! No hassle. One of the things I love about working with Joe is I never have to call with a status update. He always keeps me informed! I've worked with Joe for many years and he does a great job!
Nov 14, 2016
Home Purchaser
Joe Chafey did a wonderful job. Would highly recommend him. Thank you, Joe!!
Oct 11, 2016
It was a pleasure working with Joe Chafey. This was the first time I had worked with Joe. I represented the sellers in this transaction. He was honest, kept me updated and came through with everything he promised! I would highly recommend Joe to my clients in the future!
Oct 4, 2016
Home purchaser
Joe was awesome to work with during the purchase of my first home. I would highly recommend him for all of your financing needs. On a scale of 1-10 with 10 bring the highest I would hands down give him a 10.
Aug 2, 2016
Thank you! We appreciate all your time and hard work, you made the home buying process easy and quick! We are so grateful to be in our new home! Thanks again.
Jul 7, 2016
Joe did a great job on a recent transaction I was part of. He kept me in the loop along the way which I really appreciated. He's great to work with.
May 7, 2016
Joe Chafey was excellent!!
Sep 3, 2013
Joe Chafey was great to work with. He is very knowledgeable, available and professional.
Aug 25, 2013
We had the privilege of working with Joe on our home purchase in 2005. We were pleased then and even more so this time. Joe was patient, informative, timely and friendly. I am a very needy client and Joe was excellent. He was in regular contact. A real pro. Very glad I did not use an online service. I will tell friends.
Aug 5, 2011
Hi Joe, I love my home and am very happy here. Thank you again for all of your help and I will highly recommend you when anyone I know is applying for a home loan. I hope all is well with you and hope you have a very happy holiday season. I can't believe I first started meeting with you when you were heading to a Christmas party. Time flies when you are having fun!
Sep 17, 2010
Friendly, excellent customer service and the smoothest loan process I have ever been through!
Sep 12, 2010
Joe has always been a great lender and always communicates every step of the way through the process! He's a keeper!
Jul 2, 2009
Good experience, quick response and competitive pricing. Thanks!
Dec 19, 2008
Joe was extremely intelligent, very thorough and absolutely a professional. Big Valley Mortgage closed our loan with lightning speed! I will recommend Big Valley Mortgage to family and friends. Thanks!
Jul 7, 2007
Great Guy! Very Efficient