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Joe is simply the best loan officer I have ever worked with. He is honest, responsive, and works with you to develop options that suit your needs, not the bank's! And, best of all, even when the opportunity arose where he could have made a few extra bucks for himself, he still steered us to a program that saved us money. You cannot go wrong working with him.
Closed refinance loan. Morgantown, Robeson, PA 19543
Joe was very forward with all of the information regarding our refinance. There were no surprises and he even negotiated a lower rate about 1 week before closing since rates were dropping. Joe also exhibited flexibility working with my own title agent. Highly recommended.
Closed purchase loan. Rotterdam, Schenectady, NY 12303
Well I will tell you this, my experience with online transactions have been horrible until I met Joe through zillow.com. I was in fix with a mortgage broker who kept changing the amount required for down payment for an FHA loan; when I started the process with this broker she pre-approved me and gave me a GFE, immediately after I was in contract the terms suddenly changed and she upped the required down payment by $4000; go figure I went for an FHA loan because I knew the down payment was lower than a conventional loan. I was preparing my family for disappointment since I didn’t see how the sudden changes could be accommodated. That’s where Joe came in, I contacted him and he approved me with great expediency and within a week we had an FHA approval, I was a bit worried that we wouldn’t make the closing date but as sure as the sunrise in the tropics Joe’s word come through.
So what am I saying? If want straight talk and real GFE combined with a smooth ride to your closing date get Joe Cafiero to work with you. He is superb at what he does I highly recommend him.
Signed –a man sitting in his living room because of Joe
Closed purchase loan. Andalusia, Bensalem, PA 19020
I closed my loan with Joe and actually already referred another to his services. I work in the financial industry and while being skeptical of finding a lender through zillow at first, found Joe to be very knowledeable and able to answer all of the questions I had. I am also able to confirm from the GFE that his fees remained consistent throughout the process and the no "bait and switch" occurred when it came to closing. Thanks so much Joe for your assistance in the process!