Joel Caruso

joel-caruso

Joel Caruso

512-348-8062

Joel Caruso: Elevating the Borrower Experience: Joel Caruso is a distinguished loan originator whose two decades of leadership in the hospitality industry uniquely position him to redefine the client experience within the lending sector. By seamlessly blending precision, care, and a commitment to tailored financial solutions, Joel delivers a sophisticated, client-centered approach to mortgage lending. Expertise in Tailored Lending Solutions: Leveraging his background in service excellence and applied education, Joel specializes in both conventional and non-conventional financing options, including purchase-money mortgages, non-QM loans, DSCR programs, and jumbo financing. His analytical prowess allows him to distill intricate lending frameworks into clear, actionable strategies, empowering clients to navigate the financial landscape with confidence. A Legacy of Excellence: Joel’s prior achievements include certifications as a Certified Sommelier and WSET Level 3 wine and spirits specialist—credentials that reflect his dedication to mastery and precision. Throughout his career, he has earned accolades such as Wine Spectator Awards and OC Weekly’s Bartender of the Year, testaments to his ability to cultivate trust, deliver exceptional results, and exceed client expectations. These qualities are now central to his success as a loan originator. Client Empowerment Through Education: At the core of Joel’s practice is an educational ethos. He ensures clients are not only equipped with optimal lending solutions but also empowered to make informed, confident financial decisions. By applying a holistic, transparent approach that prioritizes relational rapport, Joel creates an experience where every borrower’s unique objectives—from first-time purchases to complex financing—are met with professionalism, precision, and care. With a steadfast dedication to advancing client aspirations and enhancing their quality of life, Joel Caruso remains a trusted partner in securing tailored financial solutions that align with his clients' goals.

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NMLS ID

2663137

CO LIC#

AZ

CA

FL

NM

OR

TX

Branch CO/ AZ

WA

  • - Dustin -

    "We had lots of options, including our existing lender. All of them came in about .25 to .75 higher. They walked us through the refinance from start to finish going over costs, terms etc and there were no surprises."

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  • - Christine -

    "I would highly recommend the Zero Point Mortgage team! We are assured that our home refinance was done with the best rate, the lowest cost and with exceptional customer service!"

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  • - Jhonny -

    "As a first-time buyer, I needed a lot of support. Their team was wonderful about making themselves available, kept a tight watch on deadlines, and they got me a great rate. They worked wonderfully with my real estate agent, and I felt like I had a real team watching out for me throughout the process!"

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  • - Jim duty -

    I worked with Patti Hildebrand on several mortgage transactions since 2005 and recently refinanced with her. She is extremely helpful and patient in presenting options. She shopped for the best rate and program, and she got us to the closing table smoothly and quickly. Patti is an expert and her processing team is the best! I would recommend her to anyone looking to purchase or refinance a property.

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  • - Kristine B -

    I met Patti through my realtors. The search for a property was relatively short and once under contract Patti was able to find a loan program that worked best for me. She helped me clear the hurdles associated with a complicated credit profile, we met all our contact deadlines and we had a pleasant closing. I found that Patti was helpful, friendly, knowledgeable, and kept me apprised of the loan process every step of the way. Thanks Patti!


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  • - zuser201603211110070 -

    Patti was a pleasure to work with. As a first-time buyer, I needed a lot of support. Patti was wonderful about making herself available, she kept a tight watch on deadlines, and she got me a great rate. Patti worked wonderfully with my real estate agent, and I felt like I had a real team watching out for me throughout the process. Patti even made the process fun!


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  • - LBaltimore -

    We used Patti for a townhome refi, and she really went above and beyond! It was a fairly complex transaction with a HELOC involved,


    but she was there for us every step of the way. I ask a lot of questions and like to understand the process, and she was always knowledgeable and very communicative. I ran into some issues on my end, and they went above and beyond to make it right for me. Thanks again!

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  • - ArtKozlowski -

    Patti helped me from qualifying to closing a loan, while getting a home sold at the same time. Her willingness to be able to be flexible and patient, was able to get me to close on a new home in a different state. I got several calls during the process with the same question: "what can i do to help". Patti does everything she can to make it as easy as possible for you to go through the process of getting a loan.

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  • - Jon Chris -

    I was worried about having bad credit when buying my first home, but the team at Zero Point Mortgage were amazing.  Thanks everyone for getting me the home loan we needed.


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  • - Gareth Williams -

    Patti Hildebrand is one of a kind. Hard work and preparation. Great results every time.


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  • - Troy Owens -

    I had the pleasure of working with Patty Hildebrand for refinancing two of my properties, and it went great!  She seems to work around the clock, and is on top of every slight rate change, and makes sure you have all the needed paperwork for the refinance to go smoothly.  We were able to refinance two different properties in a couple weeks time, and I got great rates!


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  • - Wall Relocation Moving Co. -

    We moved to Texas without any idea what we'd do next (as far as home buying goes).  Zero Point Mortgage was fantastic for the home buying experience.  Thanks to everyone at that office!


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