Joe Shamie

Mortgage Capital Associates is a direct lender. As a mortgage banker, we can offer you GREAT RATES, LOW CLOSING COSTS and UNPARALLELED SERVICE. We also offer over 750 loan programs. For a customized rate quote, please call JOE SHAMIE at 877-662-3321 x-102 OR 732-859-2424 (CELL). Feel free to email me at: JSHAMIE@USMTGCAPITAL.COM

All of our rates and fees are protected by our exclusive BEST RATE/LOW FEE GUARANTEE. We will happily beat any VERIFYABLE competitors offer. www.usmtgcap.com/BestRateGuarantee

In addition, after obtaining your loan from US Mortgage Capital, you will be entitled to participate in our FREE REFINANCE PROGRAM. This program allows you to refinance, for FREE, 120 days after you receive your first mortgage statement. So if rates drop, or you just need additional cash out, you can always refinance without the added burden of a new set of closing costs.
www.usmtgcap.com/FreeRefinance

These two exclusive programs clearly separate us from our competition!

CHECK OUT OUR REVIEWS AND TESTIMONIALS BY CLICKING ON THE "REVIEWS" OR "TESTIMONIALS" TABS ABOVE!

WE ARE ONE OF THE HIGHEST RATED LENDERS ON LENDER411.COM!

All published rates are based on a 60 LTV, Single Family-Primary Residence, 740+ Middle FICO Score, Full Income Documentation in New Jersey. Rates may vary from state to state.

One of the most common concerns people express is proceeding with a transaction for their largest asset on the internet.

I understand that concern and I will go to great lengths to make you feel comfortable. The testimonials below are ALL from people like you, who turned to the internet for the best rate and lowest fees for their financing needs. They did not know me when the process started but they are now my satisfied clients.

I hope these testimonials will make you feel more comfortable doing business with me. If you wish to speak to any of these people just let me know. I will be happy to provide you with an email address so you can ask them anything you like.

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Joe,

It is always a pleasure to express not only my appreciation but to recognize you as a "class act".

Your professionalism and your ability to explain details to my wife and I not only helped us understand everything, but assisted our family to refinance our home twice through your organization. The second time was even better because we not only got a much better rate but the closing costs were waived with your "Free Refinance Program".

I would recommend you to anyone who might be interested in refinancing their home or any property through your organization. This is from one satisfied customer to anyone who might be interested.

Thanks again for your help in a "job well done".

John Wasilewski, Ponte Vedra Beach, Florida

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I have the occasion several times over the last 5 years to work with Joe Shamie on the refinancing of my home. I met Joe over the internet. I was very impressed with my initial conversation with him as I was exploring opportunities with several lenders. His expertise, integrity, professionalism and responsiveness were all qualities that were, and still are, extremely important when making decisions regarding a home mortgage.

Joe offered an extremely attractive program that offered essentially a free refinancing for the life of my loan program enabling me to have to most attractive rates possible. I took advantage of this program on a few occasions over the last 5 years and Joe executed the program with that same degree of integrity, expertise and efficiency each time.

I strongly recommend Joe Shamie at US Mortgage Capital for all your current and future home financing needs.

Vicki Sinisi, Whitehouse Station, New Jersey.

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Dear Joe,

Ray and I would like to extend our thanks and appreciation to you for the outstanding service you provided us in handling the refinance of our home. In light of the great stress you endured and the obstacles you had to overcome to keep everything on track, your professionalism and knowledge of the business is exceptional.

Hopefully interest rates will go down again and we will be in need of your services for a third time.

Thank you again.

Ray and Paula Cadoret, Hopedale, Massachusetts

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The Absolute Professional!

I googled "Discount Mortgages" on a Friday afternoon (Pacific Time). I picked four possible Lenders and e-mailed them all. Joe Shamie called me at 4:30PM that day, and 30 minutes later we had most of the work done. Of the other three Lenders,I heard from one 5 days later and not at all from the other two.

The whole experience was smooth and easy and the Rate was the best! Joe Shamie always answered his phone or called back within five minutes if I had a question. We've done many of mortgage transactions over the last 40 years but none as easy and professional as this one.

Use Joe Shamie with confidence!!

Gary Williams, Seattle, Washington

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Dear Joe,

Laura and I would like to thank you for the recent mortgage that we got from your company. Despite our initial concerns about dealing with someone we never met and only knew through the internet and telephone calls, we were extremely happy with not only the excellent rate, but your responsiveness to us and your ability to answer any and all questions we had, as well as the customer service that you provided from start to finish.

Laura Lerner & Ben Betzalel, Newton Highlands, Massachusetts

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JOE SHAMIE IS SIMPLY AWSOME
 
This gentleman must be the most efficient, repsonsive and no-nonsense kind of guy in the mortgage world that I have come across. He truly rendered the re-fi process down to a painless 1-2-3 path and BAM you are done!!! He gave me the best rate compared to 5 other quotes and did not play any games with me.

Thank you Joe!

I highly recommend Joe Shamie for all your mortgage needs.

Kim Kieu Bellevue, Washington

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I just completed my refi with US Mortgage Capital today and am very pleased with the result.  I was a bit leery about dealing with an out-of-state lender, especially given the recent shenanigans in the lending industry. But Joe Shamie was professional and responsive, plus he got me a killer rate that could not be matched by my local broker.  I took a chance and it worked out very well for me - thanks, Joe!

Daran Edmonds, Chapel Hill, North Carolina