Joe did a phenomenal job with my loan. I definitely felt I was in good hands. He took the time to explain every step of the process and in detail. There was no hidden agenda. He treated my load as it it was his own. I appreciated his hard work and efforts. He was transparent and the process went really smooth and it was easy! I was well informed and kept in the loop every step of the way. He took the time to make me feel at ease and confident with this process. I would absolutely recommend Joe and team for any home loan & refi needs! I will definitely come back to Joe for any future needs!

Excellent is the only word to describe Joe. He honestly treats you like he would treat himself. I can't put it any better than that.
I felt like Joe was definitely making sure I get the best outcome possible.
Joe is quick, perfect and simply knows what he is doing. I highly recommend Joe for anyone looking to buy or refinance.
He found me the best rate and the loan closed within 3 weeks. I cannot wait to ask for his help on my next house.

Joe was fantastic to work with. He walked me through every step and kept me informed about anything going on through the process. Joe was always helpful and knowledgeable. I was astonished how smooth and quick the process went. Joe is a professional and very articulate and I would definitely recommend him to anyone purchasing or refinancing their home. Thank you Joe for all your help!!!!

My experience was very good working with Joe. Although we were looking to purchase our home at a rough time due to federal rate hikes and a hot sellers market, Joe was very easy to contact and he was very good about explaining everything going on as we looked and during the funding of our loan. He regularly reached out as things changed in the market changed to give us a head start to make smart moves as we made offers. We moved into our beautiful home almost a month ago now and we couldn’t be happier with our selection of home as well as our opportunity to have Joe help us throughout the whole process. I would highly recommend Joe and his team to anyone looking to purchase a new home or refinance an existing loan.
Thank you!

I signed up to purchase my first new build property using the in-house lender which wasn't very friendly and didn't even bother to explain things to me. She just sent me a PDF and told me to read it. So that's when I decided to shop around and had been referred to Joe. With the help of Mr. Joe Valencia I closed on this property with the rate that I wanted and on time. He was very attentive and explained everything in detail. As a brand new home owner, I needed that. I thought he was very informative and made me feel very comfortable working with him.

Joe Valencia is the epitome of Professionalism. He walked me through every single step of the way, assured me for what would be to come and what to expect and look out for. When presented with an obstacle, Joe calmly, collectively, and respectfully, would ask to step back to do his research. He would then do everything in his power to try to execute and learn any avenues so that there would not be any money left on the table. A true businessman and I truly felt he works for ME when I needed him to. I have referred him to my family members and would trust him with my close friends.

Joe Valencla is the best mortgage person I've ever dealt with, you can contact him with questions and he will assist you with any questions and issues you may have concerning your loan. #1 loan total assistance.