Joe Kovacs was outstanding in his professional expertise and unfailing patience with me, an old and clueless client. I selected him from a pool of lenders and their quotes which I got through Lending Tree. One of Joe's quotes seemed and proved to be the best solution offered for my situation. He assisted me through the whole process and even after having made my first payment, he is still willing to respond to any doubts I have. He certainly deserves 5 stars. Lily B.