About Joe DeBesse

As a licensed Homebridge Mortgage Loan Originator in Massachusetts (NMLS #12173), Joe DeBesse can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Joe welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Joe has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Joe DeBesse Anytime

Feel free to contact Joe anytime by phone or email for personalized service and expert advice. Joe DeBesse will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Joe DeBesse is 203(k) Renovation Lending Certified

Joe is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Joe DeBesse values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Joe by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Matthew M. Aug-18
“Joe DeBesse and his team were great to deal with and made buying a home a great experience.”
Matthew M. August 2018
“Joe DeBesse and his team were great to deal with and made buying a home a great experience.”
Matthew M. August 2018
“Joe DeBesse and his team were great to deal with and made buying a home a great experience.”
Donna T. June 2018
“Great customer service!”
Norman B. March 2018
“Joe DeBesse is great!”
Taylor H. March 2018
“Great reputation!”
Edward C. October 2017
“Precise and explained everything quickly.”
Janice D. Stoughton, MA
“Joe DeBesse was beyond excellent!”
Jaclyn L. Hyde Park, MA
“With this being my first time purchasing a house, he explained every detail to me and made sure I knew the right questions to ask and was aware of things that I didnt know I should be aware of. Also, he was very quick to respond to my emails/phone calls.”
Timothy S. Middleboro, MA
“Understood my needs and answered and explained all of my concerns. Above all I felt Joe DeBesse was very honest and has a high degree of integrity.”
Elliot H. Newbury, NH
“Smooth closing - Thanks.”
Judy D. Quincy, MA
“Met an impossible commitment deadline!”
Francine J. Milton, MA
“Joe is the best!! The transaction was fantastic!! Everything went quickly and so smoothly. Awesome. Thank You Joe and your team! The best of the best!!”
Jason T. North Easton, MA
“Joe kept us informed the whole time of everything taking place in the process. His customer service was exceptional!”
Denise P. Canton, MA
“Joe Debesse did a fabulous job and we could not have done it without him. A+++”
Robert F. Canton, MA
“Joe DeBesse in one word was excellent. He was tireless throughout the loan process. I will recommend Joe to anyone who needs a Loan Officer in the future.”
Elaine B. Milton, MA
“Joe DeBesse is terrific.”
Steven R. Milton, MA
“Joe DeBesse is the thoughtful and thorough, He mad the process very easy.”
Francine J. Milton, MA
“Joe and his team did an amazing job getting this loan closed in 30 days!! Awesome!! Joe came to closing too!! Greatly appreciate the fabulous experience. Can'”
Angelina N. Halifax, MA
“He was very thorough and did a great job on follow up questions and issues.”
Azeddine H. Quincy, MA
“He was good all the time.”
Kristin K. Braintree, MA
“He was amazing as I said in my general review. Answered every question and explained everything until he was sure we understood. We looked at many houses over a year and a half and he would give us our payment scenerio whenever we needed one and in a very timely manner.”
Nathaniel T. Quincy, MA
“Great experience for a first time home buyer.”

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