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Integrity, Ethics and Transaction Transparency: Serving Orange County for over ten years these principles are at the core of every loan Joe Hinshaw handles. My mission is to earn customers for life by providing my clients with the lowest total cost of homeownership available in the market, to ensure that friends, family, and referrals have a trusted mortgage professional that could provide them with the very best financing solutions available.

Why Joe Hinshaw?

I work for YOU and not the bank

I compare some of the largest lenders and banks in the nation to ensure low rates and favorable terms are obtained to meet your needs (larger choice of products and lenders)

NO up-front application fees or rate lock fees

I compare "no cost" loans to 0 and 1 point loans, etc: providing YOU with the choice and understanding of this relationship to rate and fee that others hide in Orange County

I am LOCAL in Orange County, licensed, and always available

Accuracy on your loan details and disclosure during rate lock and loan processing

Experienced Orange County staff with customized financial coaching and loan comparisons

I am happy to meet or beat any competitor's rate/fee structure

Find the perfect loan to fit your needs:

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards, put your kids through college, or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.