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Joseph Starzynski, Personal Mortgage Expert

Personal Mortgage Expert · NMLS 631485

Joseph Starzynski

Joe has 25 years in lending, 17 of them at Home State Bank, a CAHMCO American Dream Award, and a long record of service in Woodstock, including the Noon Rotary and the city council.

Apply with Joseph815-479-6014Email

Specialties

  • Purchase
  • Refinance
  • First-time buyers
  • IHDA

How it works with Joseph

  1. 1

    Start online with Joseph's application or call 815-479-6014. Fifteen minutes, no credit impact.

  2. 2

    Get a pre-approval, usually the same day, that sellers and Realtors around here recognize.

  3. 3

    Processing, underwriting, and closing all happen in our own building. Your loan officer walks the file, not a queue.

Joseph Starzynski, Personal Mortgage Expert, Home State Bank, N.A. NMLS 631485. Company NMLS 478452. Member FDIC. Equal Housing Lender.

Reach Joseph

Ask a question, or ask for a call back.

Your information is never sold. Submitting this form does not pull your credit and is not a loan application. Message and data rates may apply if you opt into texts.

Client reviews

What Joseph's clients say.

4.88

120 verified reviews

Collected by Experience.com
  • “Joe was very good at making sure we knew all the information we needed to know at all times. He explained everything well and was very easy to get in contact with.”

    Luis D F · Mchenry, IL · Aug 2024

  • “Joe was very patient with me and walked me through the entire process.”

    Brenda L G · Woodstock, IL · Jul 2024

  • “Joe always goes above and beyond to explain things and work with his customers in creative ways to accomplish their goals. Joe is very knowledgeable and makes himself available to answer questions.”

    Alex C W · Woodstock, IL · Feb 2024

  • “Joe is very knowledgeable and made the entire process a breeze. Joe communicates very well and takes complex concepts seem simple. As always a pleasure dealing with Joe”

    David A C · Wonder Lake, IL · Jun 2023

  • “Joe made sure we were informed every step of the process. He always answered our questions quickly!! Wouldn’t work with anyone else : )”

    Elizabeth A D · Libertyville, IL · May 2023

  • “Joe was dedicated to making our loan process as painless as possible. He took the time to explain the pros and cons of various options.”

    William C D · Libertyville, IL · May 2023

  • “Joe communicated everything very well and kept us up-to-date on what was happening.”

    Crystal L S · Woodstock, IL · May 2023

  • “Joe was with us every step of they way. He was very informative and helpful. I trusted Joe to get the job done.”

    Brian M D · Woodstock, IL · May 2023

  • “Personal service on major decisions/purchases is so important in this day and age of online business. Being able to directly speak to someone and have questions answered meant the world to us! Jim & Kim Brink”

    Kimberly A B · Woodstock, IL · Jan 2023

  • “We were very happy with Joe Starzynski. He was so helpful throughout the whole process, keeping us informed and answering all our questions. He always responded promptly when we emailed him and was always very pleasant. and gave us good advice. We highly recommend him!”

    Anna D A · Woodstock, IL · Aug 2022

Reviews are submitted by verified Home State Bank clients through Experience.com after closing and are shown as written. This page shows a selection of recent reviews rated 4.5 stars or higher. The overall rating and review count reflect every review on file, and the full set, including lower ratings, is on the Experience.com profile linked above.

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Next step

Ready? Joseph is one call away.

Start the application online, or call and ask for the mortgage department. Either way, a real human in Crystal Lake or Appleton takes it from there.

Apply now815-459-2000Choose a loan officer