California Mortgage Direct | Joseph S. Restivo, CEO & Senior Loan Originator
Meet Joseph S. Restivo — CEO, National Mortgage Executive, and Your Personal Loan Originator
At California Mortgage Direct, we do things differently. When you work with us, you’re not routed through layers of sales reps or call centers — you’re working directly with the CEO of a national mortgage bank.
Joseph S. Restivo, NMLS #262845, is the President & CEO of American Mortgage Network, a nationally licensed direct lender. With over 25 years of mortgage banking experience, Joseph continues to originate loans personally for California homebuyers, veterans, and homeowners because he believes mortgage lending should always be personal, transparent, and client-focused.
🏛 About California Mortgage Direct
Founded in 2002, California Mortgage Direct has always been more than just a brand — it’s Joseph’s personal commitment to helping Californians secure home financing from a source they can trust. Today, the company operates as his personal platform to originate loans for clients throughout the state, all while being powered by American Mortgage Network, one of the most respected national direct lenders in the country.
🧭 Why Borrowers Choose Joseph S. Restivo
| What You Get | Why It Matters |
|---|---|
| 👨✈️ Work Directly with the CEO | Joseph doesn’t hand your file off. He leads it personally. |
| 🏆 Award-Winning Experience | 25+ years in mortgage banking and multiple top producer awards. |
| 🔐 Licensed in California | NMLS #262845 – Fully licensed to originate in California. |
| 🛡 Powered by American Mortgage Network | National direct lender with strong compliance, processing, and funding infrastructure. |
| 📱 Fully Remote, Fully Personal | Joseph closes loans across California with secure digital tools and hands-on support. |
📍 Who We Help
- First-Time Homebuyers
- Veterans & Active Military (VA Loans)
- Self-Employed & 1099 Borrowers
- Homeowners Looking to Refinance or Cash Out
- Seniors Exploring Reverse Mortgages
- High-Net-Worth Clients Seeking Jumbo Loans
- Realtors & Real Estate Investors
Whether you’re buying a condo in San Diego, a duplex in Fresno, or refinancing a home in Los Angeles, you’ll have the full attention of the CEO from application to closing.
💬 A Note from Joseph
“I’ve led national mortgage companies, but I never stopped originating loans. Why? Because this business is personal. Every borrower deserves someone who listens, simplifies, and executes — not someone who disappears after the sales pitch. When you work with me, you’re working with the CEO. No scripts. No gatekeepers. Just solutions that work.”
— Joseph S. Restivo, CEO & Sr. MLO
🎖 Veteran-Focused Lending
Joseph is a longtime veteran advocate and has helped thousands of servicemembers, veterans, and military families use their VA home loan benefit. Whether you’re PCSing to California or retiring here, he’ll walk you through everything — personally.
📣 Featured In
Joseph’s mortgage leadership and industry insight have been featured in:
- Mortgage Banker Magazine
- National Mortgage News
- HousingWire
- Numerous real estate podcasts and YouTube interviews
He also serves as an advisor to mortgage fintech startups, veteran-owned lending platforms, and loan officer coaching programs.
📍 Based in San Diego — Serving All of California
California Mortgage Direct is headquartered in San Diego, but serves all 58 counties:
- Los Angeles
- San Diego
- Orange County
- Riverside
- Sacramento
- San Francisco
- Inland Empire
- Bay Area & More