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.