About Joe Manglardi

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.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.
Find a Contractor

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

What Our Customers Say About Me

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Margie A. Aug-18
“Smooth processing.”
Ruth W. Aug-18
“Very helpful and easy to work with.”
Meredith C. Aug-18
“Joe and the whole team were really fantastic to work with throughout the process.”
Ronald A. Aug-18
“Customer service and attention to detail. Joe and his team handled things promptly.”
Ruth W. August 2018
“Very helpful and easy to work with.”
Meredith C. August 2018
“Joe and the whole team were really fantastic to work with throughout the process.”
Ronald A. August 2018
“Customer service and attention to detail. Joe and his team handled things promptly.”
Margie A. August 2018
“Smooth processing.”
Ronald A. August 2018
“Customer service and attention to detail. Joe and his team handled things promptly.”
Margie A. August 2018
“Smooth processing.”
Ruth W. August 2018
“Very helpful and easy to work with.”
Meredith C. August 2018
“Joe and the whole team were really fantastic to work with throughout the process.”
Tracy S. June 2018
“They always responded fast and kept us up to date.”
Noah P. June 2018
“Joseph was great to work with and made sure that everything was taken care of.”
Drew W. June 2018
“Excellent communication and performance of services.”
Stephen W. May 2018
“An easy process.”
Raquel V. April 2018
“They were able to get me the loan in a timely manner. They worked very hard.”
Marla B. April 2018
“Joe is a pleasure to work with! He genuinely cares about the buyer.”
Derrik C. April 2018
“Joe helped us through several difficult situations!”
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!!!”
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