Joseph Noviello

Joseph Noviello

Retail Loan Production Manager

NMLS# 625762

Joe has been serving homebuyers and mortgage professionals in New York City and Long Island for nearly two decades. Offering a wide array of options and responsive local service, Joe is committed to delivering a seamless loan process and excellent client experience each and every time. Before joining the Ridgewood team, Joe held lending and management roles at major financial institutions such as HSBC, Bank of America and JPMorgan Chase. He holds a degree in finance from Syracuse University.

Ridgewood Savings Bank Benefits
Free pre-qualifications!
Our free mortgage prequalification will let you know before you start shopping how much you can afford based upon the information provided to us; saving you time, allowing you to shop with confidence, and maybe even saving you money. Plus when sellers, builders, or Realtors know you’re pre-qualified for your home financing, they can treat you as a preferred buyer.
Confused about which program to choose?
We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and Barbara is always just a call or e-mail away!

Today's Featured Rates

*For loan amounts up to $750,000.

10 Year Fixed Rate
Rate
APR
Points
5.750%
5.970%
0%
15 Year Fixed Rate
Rate
APR
Points
5.875%
6.031%
0%
20 Year Fixed Rate
Rate
APR
Points
6.125%
6.250%
0%
30 Year Fixed Rate
Rate
APR
Points
6.375%
6.470%
0%
5 Year Adjustable
Rate
APR
Points
5.875%
6.498%
0%
7 Year Adjustable
Rate
APR
Points
6.000%
6.458%
0%
10 Year Adjustable Rate
Rate
APR
Points
6.125%
6.432%
0%
15 Year Adjustable Rate
Rate
APR
Points
6.250%
6.429%
0%

Rates subject to change for loan amounts greater than $750,000 up to $3,500,000