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Cape May’s Top
Mortgage Brokerage

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Local Mortgage Expertise
Top National Lenders
Real Results

Best of Jersey Shore

2022      2023      2024      2025      2026

We are honored to have been recognized as Best of Jersey Shore every year since 2022. This recognition reflects the trust our clients place in us and our commitment to providing exceptional mortgage guidance, personalized service, and a smooth home financing experience. We are grateful to our clients, referral partners, and the Cape May County community for their continued support, and we look forward to helping more families achieve their homeownership goals for years to come.

Mortgages.
It’s what we do.

The mission of Cape May Mortgage Company is to help individuals and families make the best possible decisions when securing mortgage financing. Whether you are a first-time home buyer, refinancing, or exploring a second mortgage, John Joyce provides the expertise and guidance to find the right solution for your unique situation. With local market knowledge and access to top lending options, John is committed to placing you in the best loan program at the lowest cost possible. Expect a seamless, efficient process and a level of service that puts your goals first.

Buy a Home

Smart financing made simple

Applying for a mortgage refinance

Refinancing

Built around your goals

Home Equity

Put your equity to work

One Application. 45+ Lenders.

As a mortgage broker, Cape May Mortgage Company shops your loan with more than 45 trusted lenders to help find the right combination of rate, cost, and loan program for your unique situation. Unlike banks and direct lenders that can only offer their own products, we compare multiple options on your behalf, saving you time and helping ensure you're getting a competitive solution.

Reverse Mortgages

Reverse mortgages are often misunderstood. Explore our reverse mortgage services to learn the facts, understand your options, and see whether this strategy could support your retirement goals.

Reverse Mortgage Services

About

Choosing the right mortgage starts with choosing the right person. Learn more about John Joyce, his background, and his approach to helping clients navigate the process with confidence. Discover what makes Cape May Mortgage Company a trusted local resource.

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Your Home for DSCR
Investment Loans

Fast, flexible financing designed for real estate investors. Qualify based on rental income, not personal income.

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  • "John Joyce was a pleasure to work with! He was helpful, accommodating, and worked with us to get a mortgage for our new home. We were moving from out of state to New Jersey, and the process could not have been more seamless. Highly recommend!"

    - Erica

  • "John Joyce was amazing to work with. We weren't sure if we could work out the financing for our dream house. John made it happen! John is super friendly, very professional, and very smart. He listened to our unique needs and came up with the perfect solution. We highly recommend working with John."

    - Kristi

  • "This is the second time I’ve used John for a mortgage. He’s straightforward, easy to work with and has a great sense of humor… which is a win when going through what could be a stressful process. He made everything very easy and handled the entire process virtually without a single hitch! I highly recommend working with someone that has been in the business this long and can guide you easily through your options and works with you step by step.

    - Shellie

  • "John Joyce did a wonderful job getting us a mortgage. We especially appreciated his quick attention to getting us approved and attention to detail. He was very quick to respond to any emails, calls, or questions we had. He was with us every step of the way from our first contact through our settlement. We were approved and ready for settlement in approximately three weeks. We were very happy and satisfied with his work and would recommend his services."

    - Rosemary

  • "John is very professional. He helped us a lot throughout our mortgage process. He always answers our phone calls, explains everything very clearly, and works very efficiently. We truly appreciate his help with our mortgage. This is our first home, and he did an excellent job."

    - Laura

  • "John was dedicated, straightforward and made the process of getting our mortgage as smooth as possible. He was always available for any questions that came up."

    - Randal

  • "John Joyce is the number one mortgage broker in Cape May County as far as I’m concerned. John was on target. He kept me on my toes and made it possible to buy a home in the villas within a month from the moment we called him. He helped make our dream come true. Highly recommend he should be number one on your list to call. and he always answers his phone. Thank you, John!"

    - Michelle

  • "John was absolutely amazing in helping me and my fiancé get our first home! He was there to help answer any questions we had no matter the time of day. John’s experience was invaluable. I highly recommend John!"

    - Sarah