This episode of In the Treehouse features Joe Wargo, founder of Summerfield Mortgage, who shares his inspiring journey from his roots in a steel town in Pennsylvania to establishing his own mortgage brokerage.

Host Michael Conner dives into Joe’s personal history, the lessons he’s learned in the mortgage industry, and his passion for mentoring others.

• Humble Beginnings and Blue-Collar Roots

Joe Wargo reflects on his upbringing in Clareton, Pennsylvania, a town centered on steel and iron industries.

He shares how the strong work ethic instilled by his family shaped his life and career. J

oe’s early aspirations of becoming a heavy equipment operator evolved into a career in finance, starting in banking and eventually transitioning to mortgages.

• Navigating the Mortgage Industry

Joe details his 30-year career journey, emphasizing how he developed expertise in mortgage planning.

He uses the mantra “Big Numbers, Simple Math” to simplify complex decisions for his clients.

By focusing on transparency and education, Joe helps clients make informed choices, such as calculating the benefits of interest rate buy-downs versus lower sales prices.

• Mentorship and Dreams of an Incubator

A passionate mentor, Joe dreams of turning his brokerage into a "mortgage broker incubator."

He envisions nurturing new talent, providing them with tools, exposure, and guidance to eventually strike out on their own.

He celebrates success stories where former team members thrived under his mentorship and pursued their dreams.

• Service and Community Involvement

Through Rotary and other local initiatives, Joe actively supports community service projects, including organizing fundraisers like the Mayor’s Corporate Challenge and Stand Up For Kids.

His commitment to service blends seamlessly with his business philosophy, fostering relationships built on trust and shared values.

• The Power of Adaptation in Business

Joe emphasizes the importance of adaptability in the face of challenges, like the volatility of the real estate market.

He discusses lessons learned during economic downturns and highlights how successful entrepreneurs pivot and remain resilient.

His experience navigating industry shifts serves as inspiration for other business owners.



Joe Wargo’s story is a testament to the power of perseverance, a strong work ethic, and the ability to dream big.

His passion for helping others—whether it’s mentoring young loan officers or simplifying the mortgage process for clients—shows how business success can align with personal fulfillment and community impact.

As Joe continues to grow Summerfield Mortgage and give back to the community, his vision of making the mortgage process approachable and his dedication to service leave a lasting impression.

If you’re looking for inspiration to simplify the big decisions in your life or to build your dream business, Joe’s story offers valuable insights.