It takes a Village
About Village Mortgage
Founded by Timothy Joe, Village Mortgage was built on the belief that homebuyers deserve more options, better rates, and the kind of personal service that's become rare.
Our Story
Village Mortgage was founded on one simple belief: homebuyers deserve better. In an industry increasingly dominated by algorithms and automated responses, we chose a different path — one where technology serves the relationship, never replaces it.
As both a direct lender and mortgage broker, we put every application up against 120 banks, credit unions, and lenders. One application. One credit pull. The best rate — found for you.
Less AI. More Human.
Our philosophy is simple: less AI, more human sensibilities. Every client works with a real loan officer who listens, explains, and advocates for you throughout the entire process. We use technology to work smarter — not to replace the personal touch that makes all the difference when you're making the biggest financial decision of your life.
The Ritz-Carlton Standard
We model our service after the best in hospitality. Unparalleled service meets unparalleled products. From your first text to the day you get your keys, we treat every client like our most important client — because you are.
Timothy Joe
Founder & CEO / Sr. Loan Officer
NMLS #1618030
Born and raised in Los Angeles, Timothy founded Village Mortgage with a simple mission: give every borrower access to the best rates from 120+ lenders with Ritz-Carlton level service.
Credentials
NMLS
#2549318
Lenders
120+ Partners
Licensed
CA, TX, FL & WA