Joe Defosset
Mortgage Banking Officer
Assistant Vice President (AVP)
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2640 Harmony
Fort Collins, CO 80528
NMLS Number – 1040423
970-290-6028 (Office)
970-267-2026 (Mobile)
205-524-1662 (Fax)
Loan Options
Get StartedThank you for your interest in BBVA. I have the expertise to help analyze your situation and find the mortgage that best suits your needs.
I'm Joe Defosset, a Mortgage Banking Officer (MBO) in Fort Collins. A little bit about me: I am a Santa Cruz, California native and I graduated from Colorado State University. Go Rams! My family loves the Fort Collins area because it's a small, very unique community. I have been dedicated to helping people in Fort Collins and surrounding areas buy their dream home with the right loan for more than five years. If you are considering buying a home or refinancing your existing mortgage, it's important to explore your financing options. I will help you find the financing solution for your specific needs and will guide you throughout the process, from pre-qualification to closing. Take the next step in your home ownership journey. Contact me today.
Areas of Focus:
- Purchase and Refinance Transactions
- Conforming and Jumbo Loan Amounts
- Fixed and Adjustable Rates Programs
- Investment / Rental Property and 2nd / Vacation Home Mortgages
- Condominium Financing available, including options for Non-Warrantable Condos
- Professional (Doctors, Lawyers, CPAs, Oral Surgeons, and Dentists) Products
- First Time Home Buyer (FTHB) Programs
- Government Products (FHA, VA and USDA, including FHA Streamline and VA IRRRL)
- Fannie Mae HomeReady and DU REFI Plus (HARP 2.0) Products
- Lot Loans for Raw Land
- Combo Loans (Split 1st Mortgage and Piggyback Home Equity Loan or Line of Credit)
- Borrower and Lender-Paid Mortgage Insurance (BPMI or LPMI) Options
- Some 100% financing options available
Industry Experience:
- Over 5 years of experience in the mortgage industry.