About Joe Moschella
I have been in the mortgage industry for 25 years. I was fortunate to start at an amazing company called Champion Mortgage in 1995 working with a lot of wonderful and talented individuals. I have held the positions of Loan Officer, VP of Sales, Center Manager, Branch Manager and now VP of Lending with Rate. Over the years I have been awarded numerous President's Club recognition as a top performer in all of these positions. In each of the past three years, I have been recognized in the top 1% of Mortgage Lenders by Mortgage Executive Magazine. Helping clients attain the dream of home ownership is as exciting for me today as it was 21 years ago! Prior to getting into the Mortgage Industry I attended College at Wilkes University graduating with a Degree in Business Administration. When not in the office I love to coach and umpire youth baseball, play golf and watch my youngest boy play soccer.
The right advice could help you find the right mortgage for you. Let's work together.
Current mortgage rates
Points:
Loan Type | Rate | APR | Points | Mo. Payment |
---|---|---|---|---|
30-year fixed | 6.600% | 6.870% | 0.972 ($3402.00) | $2235.31 |
15-year fixed | 5.625% | 6.036% | 0.918 ($3213.00) | $2883.06 |
FHA loan | 6.075% | 7.077% | 0.978 ($2985.35) | $1981.62 |
VA loans | 6.025% | 6.554% | 0.966 ($3947.08) | $2456.33 |
Jumbo loans | 6.350% | 6.497% | 0.595 ($5355.00) | $5600.12 |
* Rates current as of 3/28/2025 01:58 pm, provided by Joe Moschella, for Sussex County, NJ, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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