I loved working with Joe! I didn't know anything about the home-buying process since this was our first, and he explained it all and kept me very informed every step of the way. We had an issue with our first appraisal and Joe went out of his way to order another one (on their dime) and get everything approved as quickly as possible so we could still close on time. There were no unpleasant surprises about how much we would owe throughout the whole process. His Good Faith Estimate was extremely accurate, and even a little more than what we ended up paying. I am so glad we chose to go with Joe instead of some big bank that wouldn't have been able to give such personal service. I recommend Joe to everyone and will be going back to him in the future if need be. Thank you, Joe!