I've worked with Joe previously so I knew what I was getting into when we decided to contact him. His sense of humor and communication is a trait you dont find in many in this field. He made the stress of the whole refinancing ordeal as painless as possible. Hes always been straightforward even if it was something that I didnt want to hear. His positive attitude and honesty is something you're not used to in the "banking" world. He jumped in head first and has answered any and every question no matter how silly it may of been. Even when we weren't sure if this was something we truly wanted to do. He told us exactly what needed to be done to get us where we needed to be credit wise when we did decide to proceed. Joe was a godsend during the whole process and I couldn't be more thankful for all the time and energy he put into our refi. If you're looking to purchase a home, refinance a home or in our case, own your home and want to tap out the equity rather than going with a HELOC....call Joe! You will not be disappointed.

Great to work with!