About Angel Joseph
CA - CA-DFPI2793527 Angel Joseph is a Mortgage Loan Originator and licensed California Real Estate Agent serving clients throughout Southern California, with a primary focus on Los Angeles County, Orange County, San Bernardino County, and the San Gabriel Valley. Angel's path to mortgage lending is anything but conventional. She launched her real estate career in Maryland, where she contributed to more than 50 transactions and built a strong foundation in residential sales, investment properties, negotiations, and client service. After relocating to California, she earned her licenses on both the real estate and mortgage sides of the business, a dual perspective that gives her clients a distinct advantage. She understands the homebuying journey from the first open house to closing day, and she uses that knowledge to advocate for her clients at every step. She has a particular passion for working with first-time homebuyers and takes pride in making a process that can feel overwhelming feel manageable instead. She also specializes in halal financing solutions, having successfully closed her first halal mortgage transaction in California, and she is committed to serving clients who value education, transparency, and a personalized approach. Angel has built her California business through community outreach, educational workshops, and relationship-based marketing, earning clients who stay connected with her long after their transactions are complete. What sets Angel apart is her genuine investment in the people she works with. Her goal is never simply to get someone approved. It is to make sure they understand their options, feel confident in their decisions, and walk away knowing they had someone truly in their corner. Her clients describe her as patient, responsive, knowledgeable, and deeply committed to their success. Outside of work, Angel is a proud mom of two toddlers and a professional makeup artist with a love of cooking traditional dishes from her home country of Trinidad and Tobago. She finds joy in creativity, community, and anything that brings people together, values that show up just as clearly in how she approaches her work.
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.
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
Get a sense of the costs of buying a home with our monthly 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. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. 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 Citywide Home Mortgage, a division of Guaranteed Rate, Inc. 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. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. 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 Citywide Home Mortgage, a division of Guaranteed Rate, Inc.. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. 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 9815 S Monroe Street, Suite 106-A Sandy UT, 84070