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!