Big enough to offer you the lowest rates in the nation. 

Local enough to know you.

A message from Joseph M. Farella

People often ask me what is it about American United that makes us unique. I tell them,  it’s our unwavering commitment to doing what is right for our clients.

In today’s world where success is often based on volume and growth, our priority has always been to treat each client as if they were our only client. By providing full team support from application to closing, together with the best loan rates & programs available today, American United has quickly become one of New Jersey’s most respected lenders – with nearly 92% of our clients coming to us by referral!

Before joining American United over 20 years ago, I spent years working for and dealing with big banks and lenders that produced large volumes. I quickly learned that the level of service and client attention they could provide was less than ideal. That unfortunately continues today with big bank mergers and massive online lending sites.

And while we understand the value of online research, to us home financing has always been about finding the right relationship – a true lending partner that becomes your friend in the mortgage business, guiding you every step of the way.

Take your time and browse the different sections of our site, and I believe you will come away with a good feel for what American United is all about. If you don’t find what you are looking for, please let me know. My personal email is, or call my direct line at 908.322.5423.

I am extremely proud of the American United team and their commitment to helping every client achieve home buying and financing success. We welcome the opportunity to be of service to you as well.

On your team,

Joseph Farella



About Joseph M. Farella 


Industry expert, Mortgage Banker, and Real Estate Entrepreneur, Joseph Farella is a founding member of American United Mortgage Corporation, Scotch Plains, NJ. Mr. Farella is the author of the award-winning book, “Insider Secrets to Home Buying Success”, and “Your Guide to Homeownership”.

Featured on CNN and other national programs, Mr. Farella is the keynote speaker for Homeownership Now, New Jersey’s most successful educational event for first-time buyers. A graduate of the University of Maryland, Mr. Farella has a Bachelor of Science in Economics. Farella also received an advanced certificate from New York University College for Continuing Education focusing on Advanced Residential Underwriting, Loan Administration and Portfolio Servicing. Mr. Farella is the former president for the Westfield Historical Commission and is a current member of the Westfield Housing Commission.

Find out more about the home buying & financing process on our You Tube channel: 

Building Your Team 

Selecting a Lender 

Selecting an Attorney 

Selecting a Realtor 

Twice I moved and twice I called American United Mortgage. The service was exceptional, the rate was as quoted (and the best I could find) and we closed right on schedule. Thank you American United!

Kristy B., Readington, NJ

I’m officially closed and a home owner. Your team was amazing! I’m truly satisfied and will recommend you to all of my family and friends.

Eric R., Nutley, NJ

I spoke to several of my friends who recently refinanced and they couldn’t believe how quickly you were able to turn this loan around especially in this market. I can’t thank you enough for your excellent work along with your right on track recommendations.

Amy & Earl Bethards, Montclair

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