Joe graduated from Saint Joseph's University's Haub School of Business with a B.S. in Finance (2003-2005) as a finance major who jumped on an opportunity in the mortgage industry after graduation and has been in the field ever since. His career trajectory has been consistently upward, with progressively senior roles in capital markets across multiple organizations.

Before joining AmeriSave, Joe served as Senior Capital Markets Analyst at NewRez LLC (2017-2021), Pricing Analyst at GMAC/Residential Capital Corporation (2007-2013), and Secondary Markets Analyst/Lock Desk Coordinator at Allied Mortgage Group (2006-2007). Throughout his career, Joe has managed billions of dollars in interest rate risk and tens of billions in MSR (Mortgage Servicing Rights) risk, while overseeing and leading systems transformations at numerous companies including AmeriSave. He takes pride in leading successful teams and ensuring fair pricing and transparent execution that safeguards borrower interests throughout the loan process.

Joe specializes in capital markets, pricing analysis, secondary markets, risk oversight, fair pricing, transparent execution, and translating high-level risk and pricing mechanics into protections that benefit everyday borrowers. His approach is balanced, clear, and reassuring, providing borrowers with the knowledge to make confident decisions even in volatile market conditions.

Based in Schwenksville, PA (20 miles north of Philadelphia), Joe lives with his wife, daughter (recently left for college), and one old dog in a standard center-hall colonial in the Philadelphia suburbs. His family-centered life keeps him grounded in understanding the real-world impact of capital markets decisions on everyday borrowers.

Joe's content focuses on why mortgage pricing fluctuates and what borrowers can do, rate locks and best execution and what they mean for borrowers, understanding capital markets risk from a borrower perspective, how secondary markets affect your mortgage, protecting your rate in volatile times, and inside AmeriSave's pricing and execution process. His writing explains pricing factors (e.g., rate locks, best execution) in consumer-friendly terms, addresses reader concerns head-on with guidance like "here's why your rate may change-and how we make it fair," uses analogies (e.g., "insurance for your rate") to explain technical concepts, often uses second-person ("you") to guide borrowers clearly, and includes first-person when explaining policy or protections from AmeriSave's side to translate insider processes into borrower confidence. His tone is balanced, clear, and reassuring-like a trusted advisor protecting your interests, direct about industry volatility yet empowering in advice, relatable when discussing complex loan mechanics, analytical and fair-minded, driven by ethical integrity, grounded, factual, and empathetic to borrower concerns.