Joe Siau

2999 Douglas Blvd #180
Roseville, California 95661
United States
Office Phone: 916-780-0500
Member since 2017
Membership Type: IACP


Financial Professional

As a self-published author in 4 Continent: Habits Driven is the Game Changer, now as a Reverse Mortgage Specialist and Certified Divorce Lending Professional, (CDLP), I enjoy the privilege of being a part of my client’s homeownership experience. A successful financing event is one where the process is straight forward, transparent, involves all parties, and delivers what was expected from the start.

When I receive referrals, it is very important to me to earn that recommendation again. I know what it takes to be a professional in my industry and that my industry needs good, responsible lender.

I serve Senior Reverse Mortgage Planning, to Pre, or Post-Divorce Planning to avert issues or potential conflicts between the mortgage and the real property.

With over 25 years of technical background, as financial advisory with Merrill Lynch, tax preparation with HR Block, real estate sales, environmental law compliance with the Department of Defense, and implementing quality controls with HP & IBM, I had accumulated many perspectives to be your trusted Certified Mortgage Advisor. I believe all clients deserve to be better served than the status quo.

As a subject matter expert in residential mortgage lending, I am a solutions oriented mortgage advisor that will serve your best interests short term or long term faster than if you were to shop for lower rates with poor customer service level.

Featured in the Granite Bay View, Joe’s insight into financial mistakes and how to fix them is still relevant today for all his clients before the process even starts: Click to read on.

As a Certified Divorce Lending Professional, CDLP, Joe reviews support/maintenance structures, as well as recognizes tax implications that may conflict with mortgage financing strategies pre- and post-divorce. Joe is knowledgeable of IRS tax rules as they relate to real estate and divorce. Joe can offer financing solutions to clients throughout their challenging and difficult times in a professional manner and as a knowledgeable resource.

Joe Siau is presently on the Sutter Health Professional Advisors Council, Sacramento State Bar Arbitration Dispute Resolution Panel, and the Sacramento Collaborative Divorce as a Lending Resource.

Area(s) of Practice: Mortgage Planning pre and post divorce
License(s): NMLS 582917, Real Estate Broker - Active; Series 7, Insurance, Series 66, Tax - non-active

Professional Activities

Sacramento County Bar Association Alternative Dispute Resolution Panel; Sutter Health Board Member for Planned Giving Committee;; Events sponsor

Undergraduate Education

University of Southern California - Industrial Engineering Bachelor of Science

Postgraduate Education

University of Berkeley - Environmental Law


Fluent in Cantonese, Mandarin and Taiwanese