About Joseph Cho
Helping first-time homebuyers, veterans, self-employed borrowers, investors, and homebuyers across New York purchase homes with confidence, without the stress. Hi, I'm Joseph Cho, a mortgage loan officer based in New York, helping clients navigate the home financing process with clarity, confidence, and personalized guidance. With 15 years of experience and more than 2,000 clients served, I specialize in helping first-time homebuyers, veterans, self-employed borrowers, investors, and anyone looking to purchase a home throughout New York City, Queens, Brooklyn, Long Island, and Nassau County. My goal is to provide tailored financing solutions while making the mortgage process as smooth, transparent, and stress-free as possible. Whether you're: - Buying your first home - Purchasing an investment property - Exploring financing options for a condo or co-op - Looking into loan programs such as Conventional, Jumbo, FHA, VA, or Non-QM - Navigating a complex income situation or working toward a fast closing I'll walk you through every option and help you choose the strategy that best fits your goals, not simply the easiest path. What sets me apart: - Extensive knowledge of mortgage guidelines, allowing me to solve even the most complex financing scenarios. - Availability when my clients need me—including evenings, weekends, and holidays. - Fast, responsive communication with step-by-step guidance from application to closing. - A commitment to on-time closings and being a dependable resource every step of the journey. Do you need 20% down to buy a home? Not necessarily. Many buyers qualify with as little as 3% to 5% down, depending on the loan program and their financial situation. What credit score do you need? Every borrower is different. Even if your credit isn't perfect, there may be financing options available, and I'll help you understand what's possible. How much home can you afford? We'll review your income, debts, and financial goals together to determine a comfortable price range and financing strategy. Over the years, I've helped more than 2,000 clients throughout New York City, Queens, Brooklyn, Long Island, and Nassau County secure financing for everything from first homes and condos to co-ops, investment properties, and luxury homes. My clients appreciate that I'm always available to answer questions, provide honest advice, and make sure their loan closes on time. I'm proud to be a trusted lending partner for both homebuyers and local real estate professionals. When I'm not helping clients achieve homeownership, you'll usually find me spending time with my wife and our two young children or coaching Little League baseball. I believe this business is built on relationships, trust, and being someone my clients can count on long after closing. If you're thinking about buying a home, financing an investment property, or simply exploring your mortgage options, I'd be happy to help. Let's connect and build a plan that's right for you.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 348 West 14th St - 2nd, Floor New York NY, 10014