Joe Capitano, Certified Mortgage Advisor
For over three decades, Joe Capitano has been helping Arizonans achieve their dream of homeownership with clarity and confidence. A Certified Mortgage Advisor with Homeowners Financial Group, Joe combines deep mortgage expertise with real estate insight gained from a career that began in 1977 as the owner of a small residential brokerage. That early experience gives him a rare understanding of the full transaction process, something his Realtor partners and clients truly value.
In 2004, Joe and six partners helped establish Homeowners Financial Group, now one of the most recognized mortgage banking firms in the industry. Today, he focuses exclusively on client relationships, sales, and personal marketing, areas where his knowledge and genuine approach shine. His passion lies in guiding clients through the mortgage process, ensuring they feel educated and confident about one of life’s biggest financial decisions. For Joe, it’s never just about the rate, it’s about building trust and delivering exceptional results.
Born in Northeast Pennsylvania and raised in Arizona since 1962, Joe grew up with a love for teamwork and the outdoors. A lifelong sports enthusiast, he learned early the value of communication, preparation, and shared goals, lessons that continue to shape his professional life.
Joe’s work ethic took root in his family’s Italian delicatessen in Phoenix, where he learned that genuine service and long-term relationships go hand in hand. That foundation still drives him today. Clients often say Joe makes the process easy, transparent, and even enjoyable, and they don’t hesitate to introduce him to family and friends who need the same trusted guidance.
When it comes to mortgage lending, Joe Capitano isn’t just a loan officer, he’s a partner for life.
Ready to explore your mortgage options or simply have a question about financing? Contact Joe today to start the conversation and experience the difference trusted guidance can make.
The Truth Behind Reverse Mortgages
A Reverse Mortgage, when structured and managed by a professional, can turn what many fear into a powerful financial advantage. Yes, people have heard about the “high costs” but what’s often misunderstood is that the home itself covers those costs, not the homeowner. When properly designed, those expenses are often recaptured over time through increased home value, financial flexibility, and the freedom to live without monthly mortgage payments. For qualified homeowners, it can be one of the smartest retirement tools available.
Interested in learning whether a Reverse Mortgage could benefit your retirement plan? Reach out to Joe today for a personalized, no-pressure consultation.
Joe Capitano – Licensed Mortgage Professional – NMLS #98826 | Homeowners Financial Group USA, LLC | NMLS#93718 | AZ-LO-0914830 | CA-CA-DBO98826 | OR-98826 | NMLS Consumer Access | 4800 North Scottsdale Road, Suite 6000, Scottsdale, AZ 85251 | Copyright © 2025 Homeowners Financial Group USA, LLC | All Rights Reserved | An Equal Opportunity Lender | An Equal Housing Lender 
1044 Reviews
Joe Capitano is the best! Joe provided several lending options that exceeded my expectations and made the buying process quick and EASY! I am so grateful and will always recommend Joe to my friends and family. ~ Lisa Dominguez ~
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