Joel A Maloney – Priority Financial Network

Joel has helped us with about four mortgages since 1998. Our first ever and several since then. He always gives us excellent advice, gets us the best possible rate out there and makes the entire process as simple as possible in this current very complicated, bureaucratic lending process! I wouldn’t use anyone else.

I’ve worked closely with Joel on three different purchase money and refinance projects now, and there is no one in Santa Barbara that offers better rates and services than Joel. It’s clear from working with him that Joel has an extremely deep knowledge base about the mortgage industry, and has led us to some unique and creative financing opportunities that we otherwise would not have realized.
Beyond his knack for great financing, Joel is also extremely affable and great to work with. Processing all of the paperwork required could not have been easier, and I couldn’t recommend working with anyone more!

I have used Joel Maloney for my last three refinances. He is always on target, price and rate. I also love the fact that in this time of government regulations, he makes the paper work seem easy. I will use Joel for all my refinancing needs now and in the future.

First… if you don’t have time for a long story… just use Joel, if you need to finance or refinance real property… end of story!
Long story… I have a home in Marin County with an existing ARM, adjustable rate mortgage, and a line of credit that was frozen into a 2^nd when the economy fell apart.
The ARM has been fine because interest rates have been great but, I don’t want to worry about rising interest rates catching me and want to lock in current low rates for the long term… sounds easy to me., instead I started the process with 2 different local mortgage brokers because I thought it made sense to work with someone local… wrong…they didn’t listen up front and kept offering solutions that weren’t addressing my problem.
Finally, it occurred to me to call Joel and get some advice… His advice was brilliant, let him take a look at what he could do for me.
The government has made refinancing much harder than it should be but Joel made the process as easy as it can be… one thing I can promise you is that no one knows this business better then Joel Maloney. Call him!

I’ve used Joel three times, a refinance of our condo, a purchase of our single family home in Santa Barbara, and just recently a refinance of that home as rates dropped. The first two times I used him were at his old company McAdams, but just recently I used him with Priority. He is just getting better and better at navigating all of these mortgage rules and forms that keep piling up. He has something like 30+ years of experience, so he knows what he is doing.
When Joel switched to Priority I had a hard time finding him and actually contacted Union Bank and a lender on Zillow. Union Bank wanted $ 500 up-​front to start the application, it would get absorbed into the escrow if I was approved, but there was no guarantee I would be approved. The Zillow place was typical Zillow, quote a rate that is .25% lower than elsewhere, but when you actually apply find out that rate was for totally vanilla situations. If you have anything not vanilla such as a Schedule C business and deductions, suddenly they realize you aren’t a slam dunk and either drop you or raise your rate.
With Joel I know he isn’t going to get started on something unless he knows he can see it through at the rate and fees he told you to begin with. I like a no-​fee re-​fi and he has delivered on that both times, even if he had to eat a bit out of his pocket to make it happen. He is the most pro-​active broker I have used, and I’ve talked to close to a dozen in the last 8 years. The dude knows his stuff and I’m happy to have him on my side the next time we need him.