Headshot of Bob Joyce

Bob Joyce

Senior Loan Officer

Palermo & Carucci Team

NMLS #196322

Adress
99 Rosewood Drive Suite 225
Danvers, MA 01923
Contact Methods
Email
tel Phone
(978) 226-6147
mobile Mobile
(617) 365-9432
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Bob

Thank you for taking the time to get to know me and my team a little better. As a loan officer on the Jeff Palermo Team here at Cross Country Mortgage, I am proud that our team has been ranked in top 1% nationwide for the past 7 years by Mortgage Originator Magazine. A key reason for our success is that we have our own dedicated processor, as well as 3 underwriters located directly in our branch. This gives us the ability to close loans in 21 days or less. Having a team of 7 people, you can rest assure that we will handle your loan with the utmost care throughout the process. We provide Conventional, Jumbo, FHA, VA, USDA and MA Housing Financing. I am licensed in MA, ME, NH, CT and FL.

My goal is to provide you with the highest level of service so when your friends, family or co-workers are looking for a loan, you will gladly send them my way.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • Published on

    Am I Ready to Buy a House?

    Here are some factors to consider, as well as some resources that can help you make a decision regarding the right time to buy.

  • A family laughing
    Published on

    How to Buy a House With Bad Credit

    Everybody makes mistakes, but a low credit score shouldn’t cost you your dreams of homeownership. Here’s how to buy a house with bad credit, along with some tips to improve your credit score for the future.

  • Published on

    When is the Best Time to Buy a House?

    The housing market is affected by many factors, but did you know that the time of year can influence the final sale price of a home? Here’s how the housing market changes during the course of the year.

  • Published on

    How Long Does it Take to Get a Mortgage Pre-Approval?

    How long does it take to get a mortgage pre-approval? To answer that, you’ll need to learn a bit more about the pre-approval process and what to expect when buying a home.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

What Our Clients Say

Really great service and explanation of the whole loan/home buying process. Bob and the team delivered excellent service that made it a very enjoyable process.
Andrinanda H.
Robert worked with us over many different options on how to buy our condo. We appreciate his willingness to listen and come up with valuable solutions for us. It was a long process and Robert was patient all the way through.
Emily R.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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