Joan Martinez #344782

Joan Martinez #344782 Loan Officer I MLO NMLS ID # 344782
Primary Residential Mortgage, Inc. NMLS 3094. I have been in the legal/real estate/mortgage field since 1982.

My experience as a real estate paralegal (retiring in 2020) and licensed title closer allowed me to be directly involved in thousands of closings. The hands-on skills and attention to details required for those positions complimented the demands and knowledge required of a Mortgage Loan Originator, a field in which I have been in since 2001. In any real estate market, there will always be bumps in

the road, which is why having an experienced Mortgage Loan Originator who can maneuver through those bumps is extremely important. What sets me apart from many Mortgage Loan Originators is not only my extensive knowledge in all aspects of a real estate closing (which includes the roles played by realtors, attorneys, title companies, surveyors, and mortgage lenders), but also my strong belief that going that extra mile for a borrower is a requirement, and not an option. For a free no-obligation consultation, feel free to reach out to me anytime. Licensed by the New Jersey Department of Banking & Insurance

Looking to save some $$$ on your electric bill 🔌 while also protecting the planet? Tankless water heaters can help save ...
04/27/2026

Looking to save some $$$ on your electric bill 🔌 while also protecting the planet? Tankless water heaters can help save energy by only warming water as needed. 💸

Debt doesn't have to hold you back!Managing debt wisely can help you build credit, achieve goals, and create opportuniti...
04/24/2026

Debt doesn't have to hold you back!
Managing debt wisely can help you build credit, achieve goals, and create opportunities (like homeownership 🏡).
Swipe for smart strategies to stay in control.

Happy Earth Week! 🌎💚From simple habits like conserving water to bigger upgrades like energy-efficient improvements, ther...
04/23/2026

Happy Earth Week! 🌎💚
From simple habits like conserving water to bigger upgrades like energy-efficient improvements, there are plenty of ways homeowners can make a positive impact.
Take a look at some simple ways to live more sustainably at home:
http://spr.ly/6185BBE2OU

Happy Earth Day! 🌎Caring for our planet starts at home. Energy-efficient improvements, sustainable choices, and thoughtf...
04/22/2026

Happy Earth Day! 🌎
Caring for our planet starts at home. Energy-efficient improvements, sustainable choices, and thoughtful living can help create a greener future for everyone. Let’s make every day Earth Day! 🌱🪴🌻

FALSE! Simply having student loans won’t prevent you from qualifying for a mortgage. However, your student loans do cont...
04/21/2026

FALSE! Simply having student loans won’t prevent you from qualifying for a mortgage. However, your student loans do contribute to your debt-to-income (DTI) ratio, which may affect your eligibility for different mortgage programs. To prepare for a successful home buying process, focus on lowering your DTI before applying for a mortgage loan.

Grow your money over time. 🌱From retirement to long-term goals, building wealth starts with knowledge.Swipe for a simple...
04/17/2026

Grow your money over time. 🌱
From retirement to long-term goals, building wealth starts with knowledge.
Swipe for a simple breakdown of investing basics.

More space 🏡 More flexibility 🌻 More opportunity 💰With new ADU guidelines from Fannie Mae, homeowners may now have more ...
04/16/2026

More space 🏡 More flexibility 🌻 More opportunity 💰
With new ADU guidelines from Fannie Mae, homeowners may now have more options to add units, generate rental income, or create space for family.
See what this could mean for you: http://spr.ly/6184B6fHli

Cool down your monthly energy bill by giving your heat and A/C a break! Adjusting your thermostat by just a few degrees ...
04/15/2026

Cool down your monthly energy bill by giving your heat and A/C a break! Adjusting your thermostat by just a few degrees can greatly reduce carbon dioxide emissions, helping you go green💚 while saving some green 💸

Buying a home is one of life’s biggest decisions, so why go at it alone? An experienced REALTOR® helps navigate the mark...
04/13/2026

Buying a home is one of life’s biggest decisions, so why go at it alone?
An experienced REALTOR® helps navigate the market, negotiate strategically, and guide you through every step of the journey. I’d be happy to share my recommendations with you!

Saving is more than just setting money aside. It’s creating options, flexibility, and peace of mind!Ready to build your ...
04/10/2026

Saving is more than just setting money aside. It’s creating options, flexibility, and peace of mind!
Ready to build your savings strategy? Swipe to learn more!

Address

248 E Chestnut Hill Road
Middletown, NJ
19713

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

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