Joe's fiduciary duty to his client is to consult, educate, review all eligible loan programs, describe the pros vs. cons, and assist his client in making a well-informed decision. Joe is also a certified construction financing specialist and instructor for the Southern Utah Home Builders Association (SUBHA), a local chapter of the National Association of Home Builders (NAHB). His success is due in part to having a dedicated team that shares his goals to provide outstanding financial solutions to his business partners and customers.
Purchasing a home is an exciting and momentous step in life that is full of many decisions, big and small. Finding the right partner to help you navigate the homeownership process allows you to focus on what’s truly important—achieving your homeownership dream.
Goldwater Bank and Joe Jensen are dedicated and ready to offer you high quality products, refined services and a deep bench of operational and technological support!
Home Buying Programs
We cater to homebuyers with all types of needs. Whether you're a first-time buyer, moving up to your next home, buying an investment property, or preparing for your retirement, we have the products and expertise needed to make your experience smooth, seamless, and enjoyable! We work with real estate agents all over the country and can preapprove you for the ultimate negotiating power in today's competitive market.
Whether you’re starting with raw land or an existing home, we’re experts in construction and remodeling financing. Goldwater Bank’s Construction Department offers streamlined one-time close construction products that take all the stress out of a complicated process. We have an entire dedicated team with deep experience who work with home builders from all over the country. We work directly with your builder or contractor from closing to completion.
Goldwater Bank offers a full spectrum of loan terms to lower your monthly payment or access your home’s equity to finance a large purchase or even your retirement. Our refinancing rates and terms are very competitive and our mortgage professionals can help you determine the right solution for your needs.
Our menu of loan programs is designed to meet the needs of all loan sizes: from small to extra-large, and, yes, even XXL! From starter homes to oceanfront estates, we have loan terms that are very competitive that I can custom fit for your needs.
My dedicated team and I are experts at working with borrowers who wish to put as little money down as possible (or who get help with the down payment from their family). We offer a full suite of government-insured home loan programs, and we can even take advantage of grant programs to help you buy your first home without a down payment. Goldwater Bank is an approved FHA lender though not endorsed or sponsored by the Department of Housing and Urban Development (HUD) or any government agency.
We salute the courage and dedication of the American men and women and their service to our great country. In fact, we’re a veteran-owned institution and take a great deal of pride to employ and provide financing to many United States veterans. We offer a full line of loan programs insured by the U.S. Department of Veterans Affairs (VA) and can help you through the entire process. Goldwater Bank is an approved VA lender though not endorsed or sponsored by the VA or any government agency.
Whether you are looking to refinance, purchase or renovate – we’ve got you covered!
Don’t be afraid to reach out If you have questions or need some guidance, simply complete the contact me form below. You are also free to email me directly, text me or send me a message via social media. No matter what, we will do our best to answer your questions in a timely manner. We want to hear from you!