“As a first home buyer, I was intimidated and confused by the terminology and T&C from the bigger banks and their lack of help and easement. Joe was very helpful, resourceful, and very prompt in returning any questions that I had to ask. He was straight forward and clear in regards to the first big step that I was taking. I am pleased with his services and his firm in helping me out. I have already recommended Joe’s service to two of my friends and will happily recommend Joe again”