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Joe Chafey

NMLS #221844

Mortgage Master





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Awards & Recognition

Big Valley Mortgage 22 Year Anniversary Award

Joe's Bio

NMLS #221844
Sr. Loan Officer

Choosing an Experienced Loan Officer Makes All the Difference in the World.

It is my goal to become the mortgage consultant who partners with you to obtain the real estate financing that meets your individual and unique needs. With 30+ years of mortgage lending experience, I have an extensive understanding of all facets of the business and can provide you with the information needed to make educated decisions. I have been with Big Valley Mortgage since 2000 and our parent company, American Pacific Mortgage Corporation, is both a Direct Lender and a Mortgage Broker. This means I have the backing of a company that has access to a vast array of products, competitive pricing and a commitment to superior customer service.

I have a proven track record of taking excellent care of my clients and a strong reputation based on my depth of knowledge, integrity and respect. It only takes a few minutes to determine the home price range that you may qualify for and develop a pre-approval letter to use when shopping for a home. Once your offer is accepted, I will work diligently to obtain a favorable loan package for your financial needs and guide you though the process with quick response times and great attention to detail. I look forward to the opportunity to work with you to achieve a positive home buying experience.



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5 ★ on Our Website, Nov 10, 2022


Great to work with

5 ★ on Our Website, Dec 08, 2021


Joe was exceptional to work with in securing mortage on a very short timeline. He was responsive, attentive to details, professional, and we... Read More

5 ★ on Reach150, Dec 08, 2021


Joe was exceptional on working with us on securing loan on a very short escrow. He was responsive to all our questions, attentive to details... Read More

5 ★ on Our Website, Apr 15, 2021


Joe was great with our refinance process. Everything went smoothly. Very quick and professional.

5 ★ on Our Website, Apr 15, 2021


Joe’s communication was excellent, keeping us informed of status at all times. I really appreciated his website where we could access, sig... Read More

5 ★ on Reach150, Dec 10, 2020


Joe really came through in getting my mortgage with less than optimal circumstances- I wasn't just plugged into an algorithm, he personally ... Read More

5 ★ on Our Website, Oct 29, 2020


Joe did a great job helping us with out refinance! We appreciate all his help and advice.

5 ★ on Our Website, Oct 06, 2020

Jose Andres Monge

Joe was with us on every step of the loan process. He took the time to explain on detail all the terms and meanings. He was completely tran... Read More

5 ★ on Reach150, Oct 06, 2020


Joe was with us on every step of the loan process. He took the time to explain on detail all the terms and meanings. He was completely trans... Read More

5 ★ on Reach150, Sep 19, 2020


Joe was kind and easy to work with. Provided very clear info!

5 ★ on Reach150, Sep 25, 2019


Joe was so great to work with from the very start up until are closing date today! His knowledge and experience helped guide us through the ... Read More

5 ★ on Reach150, May 29, 2019


Joe was a pleasure to work with! He made my first time home buying experience amazing. I appreciated his consistent communication of what to... Read More

5 ★ on Reach150, Apr 17, 2019


Joe is a true expert. I have worked with Joe several times and he has exceeded my expectations consistently. Great communication, fastest cl... Read More

5 ★ on Reach150, Apr 21, 2018


Joe went above and beyond in helping us find our first home. He was ready to answer any questions we had throughout the whole process and wa... Read More

5 ★ on Reach150, Oct 06, 2017


Joe just finished a loan for me and what a pleasure it was to work with him. His follow up and customer service was excellent. He away went ... Read More

5 ★ on Reach150, Aug 22, 2017

Debbee Gutierrez

It's hard to express how amazing Mr. Chafey was in dealing with my quick and extremely difficult loan. I believe I gave him as many challeng... Read More

5 ★ on Our Website, Aug 17, 2017


The requests were very direct and layed out for us. We received prompt responses to received information as well as what was needed next. Cl... Read More

on Reach150, Jul 06, 2017


I was on the listing side of our transaction. Joe contacted me during the negotiations, and during the escrow he was efficient, communicativ... Read More

5 ★ on Our Website, May 15, 2017


Joe Chafey did an excellent job in a quick timeframe and kept us informed the entire way

on Reach150, May 05, 2017


Joe got this deal done in no time! No hassle. One of the things I love about working with Joe is I never have to call with a status update. ... Read More

on Reach150, Nov 14, 2016


Joe Chafey did a wonderful job. Would highly recommend him. Thank you, Joe!!

on Reach150, Oct 11, 2016


It was a pleasure working with Joe Chafey. This was the first time I had worked with Joe. I represented the sellers in this transaction. He ... Read More

on Reach150, Oct 04, 2016


Joe was awesome to work with during the purchase of my first home. I would highly recommend him for all of your financing needs. On a scale ... Read More

on Reach150, Aug 02, 2016

Brian & Ashley

Thank you! We appreciate all your time and hard work, you made the home buying process easy and quick! We are so grateful to be in our new h... Read More

on Reach150, Jul 07, 2016


Joe did a great job on a recent transaction I was part of. He kept me in the loop along the way which I really appreciated. He's great to wo... Read More