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  • Home Purchase & Refinance
    • New Home Purchase
      • New Home Purchase
      • Buy Your First Home
      • Buy Your Next Home
      • Second Homes and Investment Properties
      • Documents You’ll Need
    • Home Refinance
      • Home Refinance
      • Justifying a Refinance
      • Lower Your Monthly Payment
      • Documents You’ll Need
    • Home Mortgage Loans
      • Home Mortgage Loans
      • Conventional Loans
      • VA Loans
      • FHA Loans
      • Reverse Mortgage
      • Home Renovation Loans
  • Loan Resources
    • Let’s Get Started
      • Find A Branch
      • Find A Loan Originator
      • Start Your Loan
      • Get a Free Rate Quote & Personalized Loan Comparison
    • Mortgage 101
      • Mortgage 101
      • Mortgage Glossary
      • Renting vs Owning
      • Credit Basics
      • Down Payment Options
      • Your Mortgage Payment
      • Appraisal Basics
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Joe Manglardi

Mortgage Loan Originator

NMLS #1128287
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  • Learn About Renovation
  • About Joe
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For your home improvement needs, visit Service Finance Company to find a trusted local contractor.
Orlando Branch
NMLS #864792
500 Winderley Place
Suite 104, 108 and 112 Maitland, Florida 32751
Joe.Manglardi@homebridge.com
O: (407) 618-0322
C: (407) 963-0451
F: (877) 622-2135
Add me to your contacts
For your home improvement needs, visit Service Finance Company to find a trusted local contractor.

About Joe Manglardi

Start Your Loan >
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As a licensed HomeBridge Mortgage Loan Originator in Florida (NMLS #1128287), Joe Manglardi 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 Manglardi Anytime

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

Joe Manglardi 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 Manglardi 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.
#1In the Nation
FHA 203(k)Renovation LenderSource: HUD Endorsement Summary
Orlando Branch
NMLS #864792
500 Winderley Place
Suite 104, 108 and 112 Maitland, Florida 32751
Joe.Manglardi@homebridge.com
O: (407) 618-0322
C: (407) 963-0451
F: (877) 622-2135
Add me to your contacts
Apr 13 2018
HomeBridge Financial Services
HomeBridge
73 posts

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Apr 10 2018
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Celebrate Earth Day, April 22, 2018

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A little more about HomeBridge

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Recent Reviews

    Trustpilot

Customers, submit your HomeBridge Reviews

You will receive a secure email from our review Partner "TrustPilot" to complete your review. Reviews are intended only for current and/or past customers of HomeBridge and this Loan Originator.  If you are not a customer, please visit this page for contact info.

Darice R.

March 2018
“Great communication and fast responses.”

Jessica L.

March 2018
“Professional service and very prompt.”

Christine V.

March 2018
“Nice and organized.”

Matthew C.

March 2018
“Very helpful.”

John G.

December 2017
“Things went very smoothly with respect to the services provided by HomeBridge.”

Michael A.

December 2017
“Straightforward, no surprises. Worked as a team through the homebuying process. Joe was a pleasure to work with. ”

Hector R.

December 2017
“Professional, efficient and very respectful.”

Janeel G.

November 2017
“Excellent team. Joe made a promise to close before November 1, and I am closing before November 1. Awesome!”

Janeel G.

November 2017
“Excellent team. Joe made a promise to close before November 1, and I am closing before November 1! Awesome.”

Nelson A.

October 2017
“The dedication and excellent service provided by Joe and his team. Well above any expectations.”

Wilkenson L.

October 2017
“I worked with Mr. Joe and he was amazing. This guy truly loves his job and he is very knowledgeable in the field.”

Kassandra A.

October 2017
“Smooth process, very attentive and professional.”

Benjamin M.

Saint Petersburg, FL
“Outstanding service.”

Birgit P.

Deland, FL
“We were on the seller side of this transaction and I always received the information I was looking for in a timely manner for my sellers.”

Brian G.

Naples, FL
“The open line and speed of communication was phenomenal. This made for a nice and smooth transaction from open to close.”

Lee M.

Altamonte Springs, FL
“My experience with Prospect Mortgage and the loan officer Joe Manglardi was absolutely great, always available, very knowledgeable and strong work ethic added to and exceptional customer service made the home buying process very easy. I am very pleased and highly recommend Prospect Mortgage and specially Joe Manglardi.”

Scott S.

Riverview, FL
“Joe, "thank you " is really not sufficient to express our sentiment for what you have helped us to achieve. The dream to live in Florida has been one that Scott and I have shared for as long as I can remember. We both were finally in a position to take the leap. You were with us each step of the way. The seller was not the easiest to work with and they posted us challenges at each turn. You were there to ease the frustration and take on the responsibility to make this happen for us. We love our new home and community. Joe, Thank you for helping to make our dream come true.”

Glenn M.

Orlando, FL
“Joe was great from start to finish! Excellent communication and follow up throughout the whole transaction. Thank you.”

Amy S.

Deltona, FL
“Joe was very professional while working with him, getting a loan for my present house. I had advised Joe that I have Huntington’s disease when we started the process and he was so patient and made everything so much easier on me. He’s such an amazing person. He was not snobby like other lenders which I was worried about at the beginning. I would recommend Joe to anybody! He’s the best.”

Christine G.

Longwood, FL
“Joe Manglardi is my go-to mortgage guy! He is always so professional and is quick to respond to emails, phone calls, and texts. My deals are closed on time and without complications. I recommend him all the time!!!”

Nicholas C.

Longwood, FL
“Joe Manglardi went above and beyond to provide timely updates on my loan process. As a self-employed person, the paperwork was a bit overwhelming and he helped me get all my documents together and kept me informed as to what I needed for my loan. He always answered my calls and emails quickly, which is greatly appreciated.”

Jason A.

Deland, FL
“I would like to put a HUGE thank you out to Joe Manglardi for the white glove service and personally walking me through my home purchase. Whether you have purchased a house before, or not, this is the guy you want to lead you into the battle of the home buying process!! It is a stressful and time consuming part of our lives but with Joe on your side everything just falls into place, as it should. Thank you for everything Joe.”

Amparo D.

Sanford, FL
“I was very hesitant to use this company for my mortgage, afraid of being taken advantage of. From the very first I spoke with my loan officer Joe Manglardi, he made me feel at ease and very comfortable, taking his time to ensure that all of my questions were answered and my concerns addressed. He was extremely polite, informative and he tried to match my expectations as much as possible. He gave me the peace of mind I needed to make the best informed decisions in terms of my mortgage. I can honestly say that I felt as if I was treated like a family member and not just another client. Him and the realtor I used (Dannine Pantaleo) are the kind of people you want on your side fighting for you because they treat your case as if it was their own. I feel extremely lucky and blessed to have found them both and plan to continue to use them for future renovation projects, refinancing and referrals.”

Bill S.

Grand Island, FL
“Customer service. These are the words that best describe Joe Manglardi. He was there to answer every question on the phone and in person. Joe really went the extra mile to help me process my first mortgage. I never felt like I was searching for answers to any question and I never felt like Joe was too busy to help me understand any dilemma that I may encounter. Even though the process of buying my home is complete I can still turn to him for answers and guidance.”

Rustina G.

Orlando, FL
“Can I give this 10 stars instead of 5?! Joe Manglardi is my #1 favorite lender to work with and refer to my clients. I will continue to refer my buyers to him. He made my job so much easier than any other lender that I have worked with and his communication with him and between him and my clients was miles above any other lender I have worked with. Thanks Joe!!!”

Posts from HomeBridge

Apr 13 2018
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Dec 22 2017
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Dec 18 2017
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The proposed SAFE Transitional License Act will allow Bank Loan Originators the ability to immediately originate loans while awaiting licensing. This bill amends the S.A.F.E. Mortgage Licensing Act of 2008 and provides Loan... »

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Dec 15 2017
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Dec 12 2017
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A recent survey of top HomeBridge Loan Originators revealed the many reasons they choose HomeBridge. What do you think about HomeBridge’s Selling Solutions platform for Originators? “This is state of the art, contemporary and EXACTLY... »

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Dec 11 2017
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    Trustpilot
  • Column One
    • New Home Purchase
      • New Home Purchase
      • Buy Your First Home
      • Buy Your Next Home
      • Second Homes and Investment Properties
      • Documents You’ll Need
  • Column Two
    • Home Refinance
      • Home Refinance
      • Justifying a Refinance
      • Lower Your Monthly Payment
      • Documents You’ll Need
  • Column Three
    • Home Mortgage Loans
      • Conventional Loans
      • FHA Loans
      • Reverse Mortgage
      • Home Renovations
  • Column Four
    • About HomeBridge
      • Who We Are
      • Our Mission
      • Why HomeBridge
      • Working at HomeBridge
      • Customer Reviews of HomeBridge
  • Row 2
    • Loan Resources
      • Row Two Column One
        • Mortgage Glossary
        • Renting vs Owning
        • Credit Basics
        • Down Payment Options
        • Your Mortgage Payment
        • Appraisal Basics
      • Row Two Column Two
        • Find A Branch
        • Find A Loan Originator
      • Row Two Column Three
        • Frequently Asked Questions
        • Licensing
        • HMDA
          Home Mortgage Disclosure Act Notice
      • Row Two Column Four
        • HomeBridge Blog
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HomeBridge Financial Services, Inc.
NMLS #6521
194 Wood Avenue South, Ninth Floor
Iselin, NJ 08830
Direct: 732-738-7100
Toll Free: 866-933-6342
customerservice@HomeBridge.com
For more information about HomeBridge visit www.HomeBridgeInc.com

HomeBridge is not acting on behalf of or at the direction of HUD/FHA or the Federal Government

© 2018 HomeBridge Financial Services, Inc.

For more information about our corporation visit www.HomeBridgeInc.com

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