WAYS-RE

JOE Totah

Beyond my professional life, I am a dedicated family man with two beautiful children. When I’m not in the office, you’ll often find me outdoors, making the most of every moment with my wife and kids. Whether exploring nature, enjoying a day at the park, or simply spending quality time together, these moments ground me.

My commitment to family extends to how I treat my clients—providing the same care, respect, and attention I give to those I love most. Helping others is my passion, and I strive to create lasting connections in both my personal and professional life.

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Fields of Practice

Mortgage Transactions

Mortgage Transactions

I am licensed to lend in the States of Arizona, California, Colorado, Florida, Maryland, Oregon, Pennsylvania Tennessee, Texas, Utah, and Washington State.

Details

Regulator Lic/Reg Name Authorized to Conduct Business
Arizona Loan Originator License Yes
California Real Estate Broker License Mortgage Loan Originator (MLO) License Endorsement Yes
Colorado Mortgage Loan Originator License Yes
Florida Mortgage Loan Originator License Yes
Maryland Mortgage Originator License Yes
Oregon Mortgage Loan Originator License Yes
Pennsylvania Mortgage Originator License Yes
Tennessee Mortgage Loan Originator License Yes
Texas – SML Mortgage Loan Originator Yes
Utah – DRE Lending Manager License Yes
Washington Mortgage Loan Originator License Yes
Real Estate Transactions

Real Estate Transactions

I specialize in real estate transactions focusing on the dynamic market of Orange County, CA, helping clients confidently navigate buying, selling, and investing.

Biography

With over 20 years in the mortgage industry and 17 years in real estate, I bring a wealth of experience and a deep commitment to excellence to every client I serve. My dedication to high standards earned me the Accredited Mortgage Professional title from the Mortgage Bankers Association in 2013. I pride myself on offering "white glove service"—personalized care, attention to detail, and tailored strategies that go beyond mere transactions to empower clients with the knowledge and confidence to achieve their financial goals.

Whether you’re buying your first home, refinancing, or investing in real estate, I am here to guide you with integrity, warmth, and a genuine passion for your success. Together, we can turn your real estate and mortgage aspirations into reality, ensuring a seamless and stress-free experience from start to finish.

Professional Background & Credentials

Business Management Degree: Earned from the University of North Carolina at Charlotte in December 1999, establishing a strong foundation for a career in the mortgage industry.

Mortgage Industry Entry: Began my career in the mortgage field shortly after completing my degree.

Accredited Mortgage Professional: Recognized by the Mortgage Bankers Association in March 2013 for upholding the highest industry standards.

Licenses: Authorized to issue mortgage and commercial loans in 11 states: Arizona, California, Colorado, Florida, Maryland, Oregon, Pennsylvania, Tennessee, Texas, Utah, and Washington.

Real Estate Broker License: Held since January 2007 from the California Department of Real Estate, expanding my ability to provide comprehensive real estate and mortgage expertise.

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Client Feedback & Reviews

  • Joe Totah was a true subject matter expert. He listened to our needs, was clear at beginning – during- after with what to expect with process/timing/etc. He knew the platforms…understood our questions and was proactive, professional, timely, accessible, responsive, knowledgeable and honest. Highly recommend Joe!

    Valerie B
    Irvine, CA
  • Joe really understands his business and treats customers exceptionally well. He was referred to me. And, I am so glad he was. He remembered my needs and proactively reached out to me for my business. I will recommend him!

    Angela C
    Scottsdale, AZ
  • I cannot recommend Joe’s services enough. He was knowledgeable and available throughout every step of the process, always willing to communicate through e-mail, text, or phone calls. His efficiency and professionalism moved the entire process along smoothly.

    Vincent S
    St Petersburg, FL

Contact Info

Cell: (949) 577-8737

Office: (949) 617-0241

  • jtotah@westcapitallending.com
  • joet@ways-re.com
  • 24 Executive Park, Ste. 250, Irvine, CA 92614

Contact Form

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