Work with Joe and a team that knows your market.
Home purchase, refinance and renovation financing for homeowners and buyers. Joe leads a team of loan originators from his Melville, NY home office, with team members licensed in multiple states, and they stay with you from the first question to the closing table.
Financing for every stage of owning a home
Whether you are buying, refinancing or finally starting the project you have been putting off, we start with where you are today.
Buying a home
Purchase loans for first homes, move up homes and second homes, starting with a pre-approval so you know your numbers before you shop.
Renovation financing
Ways to fund a remodel, addition, roof or siding project, including options based on the value of the home after the work is done.
Refinance and home equity
Refinancing and cash out options that put the equity you have built to work, explained in plain English before you commit.
A clear path from first question to closing
Talk it through
A no obligation conversation about your goals, your home and your timing. No pressure and no hard sell.
See where you stand
We review income, credit and equity together and lay out the options that fit, including what to do first if you are not quite ready.
Move forward with confidence
Application, approval and closing with one point of contact keeping you updated at every step.
Everyone has a story. Joe starts there.
Joe Vultaggio is VP, Retail Market Leader at Cardinal Financial, leading a team of loan originators from the Melville office on Broadhollow Road. In his words, mortgage lending is more than selling loans. It is about helping people reach their homeownership goals, whether that means a better financial position or the home they have been dreaming about.
Joe and his team take the time to understand each client's story, walk through the available options, and keep them updated every step of the way to the finish line.
Rated 5.0 out of 5
5.0 from 67 reviews on Joe's Cardinal Financial profile and 5.0 from 9 reviews on Joe's Google Business Profile, as of October 21, 2026. The reviews below are public Google reviews, quoted exactly as posted.
“Joe was an excellent resource for me and helped me along every step of the way. He helped me navigate an unknown world with ease and confidence. Joe was always available for any questions I had, or that my attorney had. He truly was phenomenal.”
Emily Buttner, Google review, April 2024
“I appreciated the hands-on nature, level of professionalism, attention paid to details, ease of communication, accessibility, and wealth of knowledge shown by Joe Vultaggio. He was great to work with!”
L Michelle, Google review, August 2023
Clear communication from start to finish
- Plain English explanationsOptions, costs and next steps laid out side by side so you can decide what fits.
- Credit conversations without the fearIf something on your report needs work, you get specific steps to consider before you apply.
- Updates at every stepOne point of contact keeping you informed through application, approval and closing.
- Local relationships, wherever you areRooted in Melville, NY, with loan originators who work alongside agents, contractors and community partners in the markets they serve.
“Sometimes people don't feel that they are mortgageable. I can't encourage it enough to start with a conversation that goes through what options are available, or at least creates a plan. The fun of this business is showing somebody, here is how you can do it.”Joe Vultaggio, VP, Retail Market Leader
Home office on Long Island, team members in multiple states
Licensing varies by loan originator and state. See Cardinal Financial licensing for state licensing details.
Ready to talk about your home?
Call the office or send a quick message on our contact page. A quick conversation, no obligation.