Meeting the challenges of a tough market is difficult in any business. Experience, great determination and expertise are essential. Joe Tishkoff, Senior Loan Consultant at Skyline Funding is an individual who has passed the test.

A twenty-three year veteran of real estate finance, Joe has the kind of experience that counts in the fast-paced world of real estate. He has become very much in tune with local conditions. Intelligence and a strong work ethic are the essential elements of his success as a loan agent.

"Being very smart, talented or unique in some way can get you out in front of the competition. Hard work, honesty, and service are what keep you there. I approach each client as an individual and don't assume or take for granted that someone else is going to do my job. Taking full responsibility for my work is what has helped me to gain my clients’ confidence and keep it."

A good loan consultant can guide you through the maze and assist you in making the right choices. Whether you are purchasing a home or refinancing, Skyline Funding has the people with the knowledge and experience you need. Your real property transactions involve the most important financial decisions you may make for yourself. In addition to his resolve to provide his borrowers with the best loan programs and pricing, and his honest approach to business, Joe has the ability to draw people in and win them over as fast friends and loyal clients.

"Being a team player is a big part of success. When working with a Realtor, client or borrower, I want that person to know that we all share a common goal and that I'll do more than my share to make things happen."

 Business Philosophy

Our simple service rules:

"To give every customer the VIP treatment, offer sound advice, follow through with what we say and return all phone calls promptly"

Joe Tishkoff is the force behind HomeLoansByJoe.com. The vast majority of loan officers do not consider certain primary issues when it comes to this service business. First, they fail to listen to the customer. Some people strictly want information and will make all of their own financing decisions. Others just want some guidance. We have found that most salespeople (and that's what we are), have a "canned response" no matter what the customer says. There is little focus on the mathematics of the program as it pertains to the client. Amazingly, most loan officers have weak math skills and avoid the issue.

We focus on the needs of the customer, not our own. In the loan business, a happy client is determined by how they feel at the end of the mortgage process. Personally, the best use of our time isn't spent by hunting for new customers. We've got better things to do. When the borrower feels that they have been well taken care of, the loan officer gets referrals. After nineteen years in lending, our past clients are our sales force and we want to keep it that way.

 Career History, Qualifications, & Achievements  

• Skyline Funding - Encino, CA - Senior Loan Consultant - August 1996 to Present


• First Capital Corporation of Los Angeles - Santa Monica, CA - Sr. Acct. Executive  May 1995 - August 1996
  
  Maintained an extensive Realtor-based client support network, originated over $24 MM in residential real estate annually. Handled client-direct inquiries, published a rate and fee periodical, as well as personally consulted on economic trends and forecasts (to clients and Realtors) in both a one-on-one setting and through large, organized speaking forums such as seminars and workshops.


• Trans Capital Mortgage Corporation - West Los Angeles, CA - Sr. Acct. Executive     October 1994 - May 1995
  
  Responsible for organizing and closing a mortgage loan pipeline in excess of $20 MM annually in both correspondent originations and brokered loans. Worked extensively with personal business managers and CPA's to establish large personal client base. Focused on purchase and refinance loans for professionally managed individuals.

• South Coast Financial / SCF Funding Inc. - Chatsworth, CA - Senior Loan Officer     May 1984 - October 1994
  
  Originated all facets of home loans from FNMA / FHLMC conforming products, FHA and government loans to bi-weekly loan products. Worked closely with Realtors, buyers / borrowers, ancillary service providers plus the in-house funding, closing, and shipping departments.