Joe Rapchak
Mortgage Loan Officer | NMLS # 476407
The guidance of a trustworthy and experienced mortgage professional can simplify any home financing experience. FitzGerald Financial Group has a wealth of knowledge and resources to assist you in finding the best loan to meet your individua...... Show More
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Business Hours
Tues
9 AM to 5 PM(Open now)
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Thanks again Joe. It was a pleasure working with you and I appreciated your flexibility communicating at odd hours.
Reply from Joe Rapchak
March 30th, 2026 06:13 PM
Thank you for your kind review. We're committed to being your lifelong reliable source for mortgage solutions.
Joe Rapchak has received a review with 5 star rating from Ricardo E
Reply from Owner
March 9th, 2026 12:00 AM
Thank you!
Joe was exceptional -- this was the second time I was able to work with him to secure a mortgage. He was especially helpful in adapting to my realities as a small business owner; he shepherded me through the process of pulling necessary tax...
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Reply from Joe Rapchak
January 2nd, 2026 07:42 PM
Thank you so much for your kind words, Matt. I was honored to assist you and look forward to keeping in touch. Hope you have a healthy, happy and prosperous new year!
I appreciated the great communication, his loan knowledge and quick responses to any questions. Joe made the loan process quick, smooth and stress-free!
Reply from Joe Rapchak
January 2nd, 2026 07:44 PM
It was an absolute pleasure working with you, Michele, and, again, congrats on all the positive moves in your life. With regard to your mortgage financing, you certainly made the correct decision at the best time in years.Thank you for selecting...
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Jovan was amazing! She kept me well informed every step of the way. Not to mention her estimates were SPOT ON. She really knows what she’s doing.
Reply from Owner
February 9th, 2026 12:00 AM
Thank you Nathalie! I’m thrilled to hear your experience was a good one. Clear communication and attention to detail are always my priorities, so it means a lot to know that made a difference for you. Please don’t hesitate to reach out if you...
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Joe Rapchak and his whole team were absolutely phenominal throughout this entire process. All of the communication, emails, texts, phone calls, etc were timely and very productive. I have bought two homes in the past and this was by far the...
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Reply from Joe Rapchak
December 3rd, 2025 04:07 PM
Thank you very much for your kind words, Sir, and certainly for the opportunity to assist you with your mortgage financing.I very much enjoyed our work together and look forward to maintaining contact into the future. I am always only a phone...
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Joe and the rest of the folks that assisted with me and my partners getting a mortgage were extremely helpful, communication was great and always pleasant! Any future business I do in Maryland or surrounding area where I need mortgage/property...
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Reply from Joe Rapchak
December 3rd, 2025 02:03 PM
It was an absolute pleasure assisting you, Sir. We are most grateful for the opportunity to assist you with your financing.Please do always feel free to contact me with any questions or comments you may have at any time in the future.All the...
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We had such a great experience with Joe! So knowledgeable and took us through step by step and was very communicative.
Reply from Joe Rapchak
November 11th, 2025 03:52 PM
Thank you for your feedback! I have enjoyed working with you,
Jovan is the best! If you’re looking into mortgaging she is your go to. She was incredibly patient, helpful, and supportive throughout the entire process. She will put in maximum effort to find the perfect loan for you.
Reply from Owner
February 9th, 2026 12:00 AM
Thank you for your kind review Alima!
Truly phenomenal expertise and proactive support in every phase of the process. Joe's attention to detail and personal support were extraordinary!
Reply from Joe Rapchak
October 19th, 2025 07:49 PM
It was truly an honor and a privilege assisting you with your mortgage financing, Sir. Thank you for allowing me to be part of the team. I look forward to maintaining contact into the future. Thanks again.
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About
The guidance of a trustworthy and experienced mortgage professional can simplify any home financing experience. FitzGerald Financial Group has a wealth of knowledge and resources to assist you in finding the best loan to meet your individual home buying needs. We pride ourselves in providing excellent customer service and establishing long lasting customer relationships.
As an experienced lender, Joe Rapchak is available to guide you through the home financing process. Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, Joe Rapchak can help.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Reverse Mortgages
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Addresses and Serving Areas
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 476407
Disclaimer
FitzGerald Financial Group is an Equal Housing Lender. NMLS # 512138.
FitzGerald Financial Group is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. FitzGerald Financial Group is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service.
Being a hometown lender means fast approval and a team of mortgage professionals who are committed to you. FitzGerald Financial Group loan officers live in your communities and know the area.
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