For nearly three decades, Joe Johnson has helped homebuyers across New Jersey achieve their homeownership dreams. He’s also assisted homeowners with refinancing, investment properties and financing for second homes. Joe’s secret to success is simple. He takes the time to identify his clients’ needs so he can get the job done right. Joe is detail-oriented and will do everything he can to navigate his clients through the mortgage process. Taking the stress out of getting a mortgage is Joe’s specialty. Joe’s top priority is to help borrowers confidently make one of the most important decisions of their lives. Contact Joe today if you’re looking for a tailor-made mortgage solution that best fits your financial needs.

VP of Mortgage Lending

Joe Johnson is your Clinton local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Joe is committed to helping homeowners with home purchase loans and refinances. Contact Joe at (908) 546-5642 for more information!

Joe Johnson at Guaranteed Rate Affinity (NMLS #460181)

Helping homebuyers secure financing quickly and confidently—without the stress.


Hi, I'm Alfonso Esposito, a mortgage loan officer focused on making the home financing process clear and efficient. I work primarily in Middlesex, Monmouth, Somerset, Camden, and Hunterdon Counties, and also serve clients in Pennsylvania, Florida, and across South Jersey.


I'm dedicated to helping individuals and families at every stage of their homeownership journey—from first-time and repeat buyers to veterans, investors, and those moving up, downsizing, or refinancing—by offering personalized loan solutions for a wide range of property types.


Whether you're:  
- Buying your first home  
- Refinancing your current property  
- Looking into programs like Conventional, Jumbo, FHA, VA, or portfolio loans


I'll walk you through your options and help you choose the right strategy, not just the easiest one.


What sets me apart:  
- Over 24 years of experience and 3,750+ clients served  
- Top 1% loan officer nationwide and Chairman's Club producer  
- Fast commitments and clear-to-close timelines  
- A strategic, personalized approach to every mortgage plan


**Do you need 20% down to buy a home?**  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


**What credit score do you need?**  
It varies, but there are options available even if your credit isn't perfect.


**How much home can you afford?**  
That depends on your income, debt, and goals. I'll help you break it down clearly.


I've helped thousands of clients across New Jersey secure financing quickly and smoothly, and I'm known for my responsiveness and attention to detail.


Check out my client reviews below to see what it's like to work together.


When I'm not helping clients, you'll find me enjoying walks with my wife, supporting my kids in their sports, working out, and making time for date nights.


I believe this business is about relationships and being someone people can rely on long after closing.


If you're thinking about buying or refinancing, let's connect.

Area Sales Manager

Al Esposito is your Clinton local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Al is committed to helping homeowners with home purchase loans and refinances. Contact Al at (908) 546-5617 for more information!

Al Esposito at Guaranteed Rate Affinity (NMLS #106827)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Associate VP of Mortgage Lending

Daniel Long is your Clinton local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Daniel is committed to helping homeowners with home purchase loans and refinances. Contact Daniel at (732) 379-8629 for more information!

Daniel Long at Guaranteed Rate Affinity (NMLS #2090763)

Clinton

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3 Loan Officers Clinton, NJ