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Joseph Nowacki

Joseph Nowacki

Branch Manager · NMLS# 906100

St. Petersburg, FL5.0(80 reviews)

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Joseph Nowacki at Rate (NMLS #906100)

Today · 9 AM – 5 PM

111 Second Avenue N.E. Suite 305St. Petersburg, FL 33701
Rating5.080 reviews
Satisfied99%84 reviews

Ratings include all 84 reviews. Reviews collected directly from clients are shown only with their permission.

Joseph was amazing! My husband and I had an outstanding experience working with him from start to finish. The entire process was smooth and transparent. He took the time to clearly explain every step, and answered all of our questions promptly. What really stood out was his professionalism, responsiveness, and genuine commitment to getting us the best possible outcome. Deadlines were met without issue, communication was consistent, and there were no surprises—just a seamless path to closing. I truly felt like a priority throughout the entire process. I highly recommend Joseph to anyone looking for a knowledgeable, reliable, and supportive lender. I wouldn’t hesitate to work with him again in the future!

Shalini B.View on Google

Easy to work with

Amber M.

No written review

Demira D.

Joseph is wonderful! We bought pur house with his help and did our re-fi as well. He helped us through the process which made it flawless. Highly recommend!

Joseph is wonderful! We bought pur house with his help and did our re-fi as well. He helped us through the process which made it flawless. Highly recommend!

Amber M.

Joe was great! Couldn't recommend enough. He took the time to walk me through all the details and answer all my questions, which I had a lot of. I felt extremely comfortable trusting Joe with this big life event and would encourage others to do the same. Thanks again!

Christopher A.View on Google

Joseph was great to work with! Very smooth financing process and the best rate possible!

Joe is a rockstar loan agent. He knows the industry and helps you get the best rate possible. I appreciate all his advice and the fact that he cares about getting the best deal.

Sanjay S.View on Google

Joseph Nowaki was very helpful throughout this whole process and worked very hard to get us DPA. Although it didn’t work out for us, his knowledge and financial tips benefited us either way and were very grateful to have him as our lender.

Kelly T.

Joe is amazing!! So fast and knowledgeable. He is a numbers wizard and explains everything so it makes sense

Stacie N.

Excellent, Joe is the right person in right position!

Milos M.

Working with Joseph was great experience the best. He’s the man,thank you !!!

Joseph at Guaranteed Rate is an invaluable resource. We have worked with him for both personal home buying, refinancing and realty loan resources, and he is exceptional every time. He is incredibly knowledgeable and thorough, working tirelessly to secure an awesome rate and save us significant money, both now and in the long run. You won't find better! Highly recommend!

Jasmine B.View on Google

Joseph and his team are wonderful to work with, highly recommend. He makes the process as painless and smooth as possible.

Lilian K.View on Google

I have had great experience working with Joe and his team. I have worked with him for many years and referred him to many of my buyers and he has done an amazing job. Many times he saved deals that other lenders could not.

Joe has been a life saver in multiple transactions for my clients and recently for my own purchase. You can always count on Joe to get the job done.

Ada’s W.View on Google

Very professional team. Working with Joseph was a great experience. They released my loan in a very short time and with good interes.

My loan officer went above and beyond and assisted me throughout the entire process!

Chad B.

Joe was great

Michael I.

I cannot emphasize enough how great of a job Joe and his team did during our mortgage process. His knowledge, expertise, and communication were exceptional throughout the whole process. The greatest thing about Joe and his team is that they are so genuine and really care about their clients. I will recommend him to everyone moving forward.

I’m so grateful for all the help and support from Joseph Nowacki Buying a home can be stressful, but they made the process so much easier. They were patient, always answered my questions, and explained every step clearly. I felt confident and supported throughout the entire process. Thanks to their hard work and dedication, I was able to buy my new home smoothly. I would highly recommend Joseph Nowacki to anyone looking for a reliable and professional loan officer!

Katerina P.View on Google

Joseph Nowacki was extremely knowledgeable and thorough he helped me every step of the way

Brendan W.

Joseph Nowacki worked extrememely hard to find the perfect loan for my situation, he always picked up the phone any time I had a question, and he updated me through every step of the process.

Dale M.

From the beginning, they have been very professional, very convenient, they handle everything quickly and they were very patient with us on answering any questions that we had the whole team was great

David G.

They were very patient and gave good advice on some of the transaction I wasn't aware of. They were available throughout the process even contacting me on the weekend which was a relieve when I was anxious about something. Definitely worth dealing with this firm.

Peter M.

Highly recommend. We worked with Joe Nowacki. He was extremely helpful and quick to respond. We also had to move up our closing date and they made it all work for us.

Morgan W.View on Google

The commitment from the entire staff and the friendliness. Everything was handled with such delicacy.

Diana V.

All the team worked with care,compassion and professionalism!!! I am sure in the future I will work with them again and suggest them!!!!Thank you for this wonderful experience !!!

Juljana B.

Joe Nowacki was great to work with

Eric S.

Very professional and stayed on top of everything. Kept us informed through the whole process. Joe was Fantastic!!

James K.

Very professional, very helpful, and Joe Nowacki and his crew Very experienced, very helpful and very patient to answer all my questions.

Helen T.

Joe was great every step of the way helping me secure my loan. Professional, informative, and treated me like a family member. Couldn't ask for a better person. Thank you!

paxson N.View on Google

Joseph is by far the best in the mortgage business! An absolute honor to work with him on every deal. He is more knowledgeable & works harder than anybody during every transaction! Can’t go wrong with Joe!

Zachary L.View on Google

Joseph made this entire process pain free. Really appreciative of how thorough and attentive he was to my questions. Would recommend to friends and family.

I worked with Joseph for the first time for the mortgages, he has been super responsive, provides great support from start to finish. He gets things done! Joseph has earned the highest recommendation! I don’t consider working with anyone else. I live in Chicago and Joseph helped us to get the house in Florida..

Beruze L.

Joe was so awesome! Very informative and helpful every step of the way and Im so grateful to have worked with them on my first home!

Joseph is always great to work with

jonathanlecroneView on Google

Joe was great to work with. Very responsive with communication. The whole process with my VA loan went off perfectly.

Recommended by our realtor

Paul W.

Because of how smooth the transaction was with Vinnie.

Jeremy S.

Everyone I worked with was incredibly attentive and kind

Steven F.

Excelente

Rachel S.

My contact was super responsive and any changes that came about, she alerted me before new paperwork was sent.

William M.

Process was fast and easy. The team working on my mortgage were very communicative and professional.

Bobby V.
Equal Housing LenderEQUAL HOUSINGLENDER
Copyright © 2026 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved. NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org
 Arizona Mortgage Banker License #0907078
 3940 N. Ravenswood Ave Chicago, IL 60613 Operating as Guaranteed Rate, Inc. in New York.
 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock. Applicants are subject to credit and underwriting approval. Restrictions apply. All information is provided for informational use only and should not be considered financial advice.

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