"Joe is always willing to discuss my concerns at any time in the evening and/or the weekend. He is creative and quick in solving problems. Joe is my 'go to' guy when it comes to lending."

"Joe's knowlege and ability to be adaptable and flexable to handle any situation to get the job done. Joe is a pleasant and kind individual who wants to see his client succeed in aquiring the home of their dreams."

"Joe was very helpful and made the loan process easy. Also, I have dealt with several other home refinance loans and never had any issues with them and knew he was a honest person."