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.