Joseph Campese

Joseph Campese

My Keller Williams Office Information:
301 Egg Harbor Rd.
Sewell, NJ 08080
856-582-1200 (O)
609-280-3357 (C)
856-582-1299 (F)

Joe is a dedicated Real Estate Professional with experience in Listing Homes, Buyers Agent, Move Up Buyers, Downsizing, Short Sales, etc. Joe is also an AnnieMac Certified Realtor – Renovation Lending.  Ask me how we can overcome obstacles to sell or buy a home with issues.

As a member of the Keller Williams Family I have exposure to many fellow Real Estate Professionals, Training and Programs to assist my clients. My goal is to simplify the process and be a trusted professional to help you achieve your goals.

Service areas: Southern NJ and specializing in Sewell, Turnersville, Washington Township, Gloucester County / Sicklerville and Gloucester Township Camden County/ Mullica Hill / Cherry Hill / Voorhees / Mt. Laurel

Prequalification vs. Preapproval

Knowing how much you can afford before you start looking for a house can save you time and frustration. Getting a clear picture of your budget will ensure that you don't fall in love with a house you can't afford.

Prequalification vs. Preapproval

A pre-qualification involves the mortgage lender asking a few questions about your income, financial assets and any debt you may carry. The lender will also pull your credit report. You may receive a prequalification letter from the lender telling you approximately how much you may be able to borrow.


A preapproval also involves the lender reviewing your financial records and credit history, but it goes a few steps further than a prequalification. When you get preapproved, you'll also complete a mortgage application, and the lender will underwrite (or fact-check) the information you provide. Once you're pre-approved, you'll receive a preapproval letter stating how much you can get approved for.

Reverse Mortgage Benefits

You choose one of the following payments each month:

  1. No payments are required as long as you live in your home.
  2. Income received from your Reverse Mortgage is usually tax-exempt (consult your tax adviser) and does not affect regular Social Security or Medicare benefits, but may affect eligibility for other types of government assistance.
  3. You retain ownership of your home.
  4. You can use the proceeds to pay off an existing mortgage and eliminate your monthly mortgage payments.
  5. Reverse Mortgages provide you with a source of income that can be used to improve your standard of living and maintain your independence.