The dream of owning your own home, is 100% in reach. Whether you are a first-time buyer, ready to move, or simply refinance, I've got you covered, and I will be with you every step of the way. I have been in the mortgage industry since 2004 and lived in the Sacramento area for 40+ years. I know this market, so I’ll be able to give you sound advice and help reach your goals. Since every client is unique, your home buying plan will be as well and tailored to your communication style. I want you to feel secure that you can contact me during any stage, and that I will be there to see it through.
Honesty, integrity, and trust are the 3 main core values that I center, not only my career around, by my life as well. Buying a home is a big deal and it comes with many questions, so no question is too big or too small. During this journey, I want to be able to put your mind at ease, take as much stress away as possible and make this process as seamless as I can. About me- I am married, have 5 amazing kids, 3 beautiful grandchildren, and many foster babies. My family will say I work more than I should, but when I’m not working, I like to play golf, travel and spend quality time with my family. Thanks for visiting my page and I look forward to working with you! - Joe
I really like to know the current status of loan and any potential “land mines” during the process. Joe was absolutely the best in keeping one informed and constantly giving updates of the loan and or documents status. Joe quickly answers emails or phone calls seven days a week which speaks to his relentless customer service. Shop for the best loan, but give Joe an opportunity to see what he can do.
Joe is so easy to work with. He is friendly, respectful and explains everything effortlessly in a way that is comfortable and very easy to comprehend. Joe made himself available by phone and text throughout the whole transaction in very timely manors. He is knowledgeable and a man of his word. I would highly recommend that anyone looking for a loan officer, work with Joe- you will be very satisfied.
A very helpful part of this was good communication. Joe is patient and listens to questions, and has excellent understanding of professional details. There was no problem in asking, more than once, for clarification on something. He knows his business and explains thoroughly in a kindly way. Other staff also provided support and covered issues raised in this loan. It was as smooth and simple as getting a mortgage can be. Thank you all for your help.
Joe and his team are very nice, professional, and caring. And they understand that we, as clients, do not understand the process, and Joe explained everything to me so I knew what to expect and the time frame everything was needed by. He made it a very smooth transaction. And in less than 30 days, I went from a phone call with a question, to an appraisal, to an approval, to a completed loan. I couldn't be happier.
Finding a house is stressful enough without having to worry about all the financing options and paperwork. Joe and his team made the process easy and stress free. He was always available, patient and answered all of my questions while explaining things in a way I could understand. Before I knew it we closed escrow and I had keys to our new home. I have shared his information with my friends and family, Thank you Joe!
I have used Joe through with two home purchases and a handful of refinances now. He is always upfront and honest which is important to me. He has a great feel for the market and won’t steer anyone wrong. Joe is everything you can ask for in a lending agent and I have personally recommended him to several friends that have used his services. They too have only positive things to say about their experience with him. As long as he is working, Joe is the only lender I will use... period!
I signed up for quotes on Lending Tree and was immediately bombarded with phone calls and emails. For some reason Joe’s response stood out to me and we ended up having a face to face meeting with him and he was great! He is very knowledgeable and honest about the process. Buying a home is very stressful and he helped us out every step of the way and got my family a loan we were happy with. He and his team made the transaction very smooth and we closed quickly! Any bumps we encountered along the way, Joe was there to help navigate through. He is good with communication and he made himself available at most hours of the day, everyday to answer any questions we had. He is a pleasure to work with and would recommend him to friends and family. A big Mahalo to Joe & the Mortgage Evolution Team!
This was my first experience working with Joe. I was referred to Joe by a relative who could not say enough good things about him. Refinancing a home can be a stressful time but that was not my experience. Joe is personable, professional and goes above and beyond in the service he provides. He is my family's go to person for all our refinancing and home purchase needs.