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Joseph S. Restivo

President & CEO

NMLS# 262845

Joseph S. Restivo – President & CEO, American Mortgage Network

Joseph S. Restivo, as the President and CEO of American Mortgage Network, is a paragon of the mortgage industry, renowned for his comprehensive expertise and client-centered approach. A licensed Mortgage Loan Originator in California, Joseph’s profound understanding of the real estate market and mortgage products sets him apart as a leader and a trusted advisor.

Under Joseph’s stewardship, American Mortgage Network offers a diverse array of mortgage products, designed to cater to the unique needs of every client. These include:

  • Conventional Home Loans: Ideal for borrowers with strong credit, offering competitive interest rates and various term lengths.
  • Fixed-Rate Mortgages: Providing the security of a constant interest rate and predictable monthly payments for the life of the loan.
  • Adjustable-Rate Mortgages (ARMs): Featuring initial lower rates with adjustments over time, suitable for those expecting future income growth.
  • FHA Loans: Facilitating homeownership for first-time buyers or those with lower credit scores, with minimal down payment requirements.
  • VA Loans: Catering to veterans and active military members, offering exceptional benefits like no down payment and no private mortgage insurance.
  • VA Interest Rate Reduction Refinance Loan (IRRRL): Allowing veterans to refinance their existing VA loans to reduce interest rates or switch from an adjustable to a fixed-rate mortgage.
  • USDA Home Loans: Aimed at helping rural homebuyers, offering low-interest rates and no down payment options in eligible rural areas.
  • Reverse Mortgage: Providing seniors with financial flexibility by converting part of their home equity into cash while retaining homeownership.
  • Home Equity Loans (HELOAN) and Home Equity Lines of Credit (HELOC): Enabling homeowners to leverage their home equity for financing large expenses or consolidating debt.

Joseph’s in-depth knowledge of these products ensures that clients are not just finding a loan, but the right financial solution for their homeownership dreams. He excels in tailoring mortgage options to fit the individual financial scenarios of his clients, ensuring a personalized and seamless mortgage experience.

At American Mortgage Network, Joseph leads with a vision to demystify the mortgage process. His team, under his guidance, is dedicated to providing transparent, comprehensive, and ethical service. This approach has earned Joseph and his company widespread acclaim and a loyal clientele who value his expertise in navigating the complex landscape of mortgage financing.

Active in community engagement and industry education, Joseph is more than a mortgage expert; he is a community leader and an advocate for financial empowerment. His efforts extend beyond business, focusing on educating individuals about the intricacies of mortgage financing and helping them make informed decisions.

Joseph S. Restivo’s dedication to his clients and his vast knowledge of mortgage products make American Mortgage Network a premier choice for anyone seeking to realize their dream of homeownership or optimize their mortgage financing.

For those interested in learning more about our specialized lending team and services, I invite you to visit This platform showcases our dedicated team’s expertise, particularly in VA home loans, and our commitment to providing tailored mortgage solutions.