(46 reviews)

Joe Lombardo

Senior Loan Officer

NMLS ID #84881

Reading, MA

4.94

(46 reviews)

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553 Main Street, Reading, MA 01867

[email protected]

(781) 884-0758

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About me

I have over 30 years of experience in the mortgage industry, and I am joining the Guild team from the Woburn office of Residential Mortgage Services. I serve clients as a Loan Officer in Massachusetts and New Hampshire. I pride myself on customer service. I am experienced with Conventional, FHA, and VA loan transactions, with most of my business referrals coming from Real Estate Agents and past customers. I enjoy spending time with family and friends and attending Bruins and Patriots games in my spare time. I am also involved with The Jimmy Fund by directing a yearly golf tournament to help raise funds for the Dana Farber Cancer Institute.

Awards

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Testimonials

4.94 (46 reviews)

5.0

4.9

A great real estate transaction takes a team, and recently I had the opportunity to work with Joe Lombardo-Guild Mortgage, an outstanding mortgage professional. From start to finish he was knowledgeable , responsive and dedicated to making the process smooth for my first time home buyer. Looking forward to working with Joe again.

Judy

Mar 11, 2026 |

Bedford, MA

As a real estate agent, working with great lenders makes a huge difference in how smoothly a transaction goes, and Joe Lombardo at Guild Mortgage is truly one of the best. Joe was incredibly responsive, knowledgeable, and professional throughout the entire process. He was always available to answer questions and took the time to clearly explain things so everyone felt comfortable and informed. What really stood out was Joe’s communication. He kept me and my clients updated every step of the way, which made the process feel organized and stress-free. In a business where timing and coordination are critical, Joe was always on top of everything and made sure we stayed on track from start to finish. I highly recommend Joe Lombardo and Guild Mortgage to anyone looking for a dependable, communicative, and highly professional lender. I look forward to working together again on future transactions.

Dana

Mar 11, 2026 |

Melrose, MA

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Get in touch to discuss your home financing goals and explore next steps together.

Keep in touch

Phone:

(781) 884-0758

Mobile:

(978) 314-3939

Branch:

(781) 884-0751

Fax:

(857) 453-5984

Email:

[email protected]

553 Main Street, Reading, MA 01867

Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

CLOSED

Monday - Friday

8:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #84881

I am authorized to do business in the states of Massachusetts and New Hampshire. MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; MA MLO Lic # 84881;

Find the loan that works for you

See what we offer

Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

See all loan programs

Video gallery

Tools to help guide you

Know before you borrow

Your trust means everything to us.

Discover how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

Mortgage income calculator

Find out how much annual income you’ll need to buy a house.

Mortgage payment calculator

See how principal, interest, taxes and insurance make up your monthly mortgage payment.

Temporary buydown calculator

Learn how a temporary rate buydown might reduce your monthly mortgage payment.

Your trust means everything to us.

Discover how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

More resources

Helpful resources

What are draw and repayment periods for HELOCs* and HELOANs?

Nearly 30% of homeowners are considering tapping into their home equity, a notable increase compared to a few years ago.

When should I use my home equity?

Your home has probably done a lot for you over the years. It’s where you’ve made memories, celebrated milestones, and planted roots.

Is a 2-1 buydown worth it? Pros and cons explained

A 2-1 buydown, also known as a 2-year temporary buydown, provides breathing room for aspiring homeowners to get started on building equity.

home equity insights

Get smart about your home's value

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Joe Lombardo

Let's talk

Get pre-approved

Apply for a loan

Find the loan to fit your life

You have choices when it comes to home financing

About me

Testimonials

Ready to get started?

Keep in touch

Office Hours

Send us a message

See what we offer

Video gallery

Know before you borrow

Your trust means everything to us.

Mortgage income calculator

Mortgage payment calculator

Temporary buydown calculator

Your trust means everything to us.

Helpful resources

What are draw and repayment periods for HELOCs* and HELOANs?

When should I use my home equity?

Is a 2-1 buydown worth it? Pros and cons explained

home equity insights

Get smart about your home's value

Get my app