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Joe Luisi

Joe Luisi

Loan Officer

4999 Louise Drive, Suite 204, Mechanicsburg, PA 17055
Own what matters
Own what matters

About Me

I am a proud Penn State graduate and Kent State undergraduate, and I am now local to Franklin County, Pennsylvania. I'm licensed in Maryland, West Virginia, and all of Pennsylvania. 

 Buying a new home can be an exciting process, and I am eager to help you explore all your mortgage options and help you make an informed decision about which is suitable for you. I specialize in USDA-RD loans and FHA 203K Renovation loans.

My team and I look forward to helping you finance your home. 

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Meet my team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.92 out of 5.0 stars
5.0
4.86
5.0
Samuel
May 25, 2024
Verified

Joe worked tirelessly through a mess of a situation that I was in for 16 years. Without his efforts and persistence and others involved, I don't know how things would have turned out for myself and my family. Joe was communitative and was always there when I had questions or concerns. There was a tremendous amount of effort involved in my case and I am forever grateful that Joe was part of the almost two year long journey of getting me out a very dark situation. I highly recommend Guild Mortgage and Joe.
Byron
Apr 02, 2024
Verified

We are very happy to have worked with Joe Luisi. He’s been there for us since we started the process on buying our first home. We are very satisfied and happy with the whole process on going so smoothly and quickly! Thank you SO MUCH for everything. I’m totally recommending Joe Luisi and Guild Mortgage to everyone!
Tim
Dec 19, 2023
Verified

Joe is always the go to person, glad we were able to make another deal happen.
Hailey
Dec 04, 2023
Verified

He made my experience very easy and he explained everything to me and as a first time home buyer he did not make me feel any less than an experienced home buyer. He helped me with the issues we faced and worked hard to make everything work out
Vickie
Nov 20, 2023
Verified

Joe always provides top notch service and experience to not only the buyer but the agents involved. Keeps all parties informed of progress and his knowledge of lending practices creates a seamless, as possible, transaction start to finish.
Khoi
Nov 20, 2023
Verified

Great experience working with Joe and his colleagues at Guild mortgage. They went above and beyond for our clients and I’m looking forward to working with them in the future.

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Awards

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Causes I'm
passionate about

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NMLS ID #460166
I am authorized to do business in the states of Maryland, Pennsylvania and West Virginia.