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About Joseph Lucas

Joseph offers an extremely broad range of skills which have enabled him to deliver numerous measurable results to his clients throughout his career. He offers exceptional communication, problem solving, negotiation, and customer service strengths with a keen focus on motivating his clients to reach their ultimate goals. These qualities have made him valuable to clients from all levels of experience and knowledge about both the process and product opportunities. Joseph brings unique experience to his clients having for years played the roles of both licensed realtor and sales manager in the new home building industry helping customers identify their needs and then matching them with and negotiating the best value for them. These perspectives ensure that Joe’s clients are given a level of explanation beyond the numbers. Joe considers it paramount to make sure that clients have all the information they need to make a confident decision. Joe earned a BA in Speech Communication from George Mason University where he also played hoops — he was on the first ever Patriot team that reached the NCAA tournament in 1988! A local kid and a fighting hornet from Herndon High School, Joe currently resides in Loudoun County. In his off time he enjoys activities with his 4 children ranging in ages from 9 to 25, golf, and working on his 1970 Torino Gt.

Address:

1750 East Golf Road, Suite 240, Schaumburg, IL 60173

Licensed:

MD, TN, VA, WV

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Why Borrowers Choose SUCCESS® Lending

Who We Are

SUCCESS® Lending is a mortgage lender built around people, relationships, and clear communication. Our loan officers help homebuyers and homeowners understand their options, compare loan programs, and move through the mortgage process with confidence. Whether you are buying your first home, moving up, refinancing, investing, or using your home equity, we are here to help you make informed decisions.

Our Mission

Our mission is to make home financing feel more personal, transparent, and easier to understand. We take the time to learn about your goals, explain your options, and help you choose a loan strategy that fits your financial picture. From pre-approval to closing, your SUCCESS® Lending loan officer is focused on keeping you informed, prepared, and supported.

Our Promise

You deserve a mortgage experience that is clear, responsive, and centered on your goals. We promise to communicate throughout the process, answer your questions, and work with your real estate agent when applicable to help keep your loan moving forward. With SUCCESS® Lending, you have a loan officer who is committed to helping you take the next step with confidence.

Loan Programs to Fit
all Homeownership Dreams

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Non-QM Loans

Alternative options. Flexible documentation.

Non-QM loans may provide alternative mortgage options for qualified borrowers who do not meet traditional loan requirements.

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Down Payment Assistance

Help with upfront costs.

Down payment assistance programs may help eligible homebuyers reduce the upfront cash needed to purchase a home.

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Refinance

Rework your mortgage. Reach new goals.

Refinancing may help homeowners adjust their mortgage, access home equity, lower payments, change terms, or move into a different loan program.

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FHA Loans

Accessible financing. Flexible credit.

FHA loans can help make homeownership more accessible for first-time buyers and borrowers with limited down payment funds or credit challenges.

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Conventional Loans

Popular option. Flexible terms.

Conventional loans offer flexibility and competitive terms for qualified homebuyers with stable income, solid credit, and funds available for a down payment.

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VA Loan

Powerful benefits. Built for service members.

VA loans are available to eligible Veterans, active-duty service members, and certain spouses, offering strong benefits for qualified borrowers.

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USDA Loan

Rural financing. No down payment.

USDA loans are designed to help eligible low- to moderate-income buyers purchase homes in qualifying rural and suburban areas.