About Joe

When I am asked what it takes to consistently be one of the top loan officers in the company, I can honestly say that it's because I truly care about my clients. Their goals become my goals. I strive to continually provide excellent customer service and do whatever it takes to close their loans on time (or sooner) while saving them as much money as possible in the process. Whether it's a purchase or a refinance, I take pride in knowing that my clients can count on me. Receiving referrals and repeat business from customers and friends throughout the country is a true testament to my service.

I have been helping homeowners and soon-to-be homeowners with their financing needs since 2001. Over the past two decades, I have gained the knowledge and know-how to make something out of nothing as well as the ability to make the simple loans seem seamless. At the same time, if there is nothing that can be done, I will be straight forward about it and then guide you so that you can qualify in the near future. With Future Mortgage, I am able to do more for my clients, provide better service and support to my Referral Partners, and make sure the close of each transaction results in customer satisfaction. Let me help you, your family, and your friends experience what it feels like to have a loan done right!

I say, "If you like it, lock it! Trust that you have made the right decision and don't look back. Keep moving forward, especially when you know you have the right people on your side."

Joe Mendoza

NMLS#20244 DRE#01443534

Senior Loan Officer

Future Mortgage

(818)919-1860 Direct Cell

MortgageProfessionalCA@gmail.com

Learn More
Learn More about VA Adjustable-Rate Mortgages (ARMs)

Learn More about VA Adjustable-Rate Mortgages (ARMs)

Apr 16, 2026

VA adjustable-rate mortgages start with lower rates than fixed-rate loans — no down payment or PMI required. See how VA ARMs work and if one is right for you.

The Truth in Lending Act - Key Protections Every Borrower Should Know

The Truth in Lending Act - Key Protections Every Borrower Should Know

Apr 14, 2026

Learn what the Truth in Lending Act (TILA) requires lenders to disclose, which loans it covers, your rights, and what happens when lenders violate its rules.

How Much House Can You Afford on a $70K Salary?

How Much House Can You Afford on a $70K Salary?

Apr 09, 2026

Learn how much you can afford on a $70,000 salary. Understand lender guidelines, monthly payment estimates, and factors that influence home affordability.

Contact Joe
Have questions or need assistance? Our team is here to help. Fill out the form and we'll get back to you as soon as possible.
3595 Inland Empire Bl. Suite 1240
Ontario, CA 91764

Uh Oh!

Something went wrong. Please refresh the page and try again or call us at 909-941-0637


Start Your Loan Application Today

Whether you're buying your first home, refinancing, or upgrading, I’m here to make the mortgage process smooth and stress-free. Let’s take the next step together — fast approvals, personalized service, and trusted guidance every step of the way.

Young Couple Applying for a Mortgage