Ethos Lending

NMLS 1768160 | DRE CA - 1974744

Joseph Chiavatti

Joseph Chiavatti is a trusted real estate broker and mortgage advisor serving Southern California. With a background in law enforcement and over a decade of real estate experience, he brings a calm, detail-oriented approach to every transaction. Joseph is known for his honest guidance, deep market knowledge, and dedication to helping clients make confident decisions about homeownership. He lives in Orange County with his wife, Rachel, and their young son, Tenor.
Joseph Chiavatti is a Southern California native with a lifelong connection to real estate. Raised in a family involved in real estate, he gained early exposure to the industry before earning his broker’s license in 2015. Since then, he’s been helping clients navigate the market with a steady hand, grounded expertise, and a strong commitment to building lasting relationships. / Before real estate, Joseph served as a crime scene investigator with the Tustin Police Department — a role that sharpened his attention to detail and taught him the importance of clarity and communication in high-stakes situations. These skills now serve him well in real estate and mortgage lending, where he’s known for spotting potential red flags early and guiding clients through complex transactions with transparency and care. / In addition to real estate, Joseph now offers residential mortgage services through Ethos Lending, where he’s committed to demystifying the lending process and empowering clients to choose the right financial path for their goals. / Joseph’s work is rooted in honesty, integrity, and a belief that the best business relationships are built on trust. Outside of work, he enjoys volunteering in his community, golfing, watching Ducks hockey, and spending quality time with his wife, Rachel, their toddler son, Tenor and dog, Max.

Ethos Lending Delivers on Their
Promises

Ethos Lending Delivers on Their Promises

5.0

Over 1,234 Verified Reviews

Smooth buying process

Very helpful throughout the process. Specially for first time home owners .
The Nelson Family
Verified Reviewer
Brooklyn Park, MN (August 2023)

Great experience

Excellent communication and made the whole process very simple for a first time home buyer.
The Nelson Family
Verified Reviewer
Brooklyn Park, MN (August 2023)