Branch ManagerNMLS 108506
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, 2 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
Great communication throughout the entire process. Kept us informed as to which documents would be needed, and which documents might be requested so there were no surprises. This allowed the process to be both efficient and fast from start to finish.
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.
Working with Joe was working with your best friend, your partner. Every question we had was answered so that we understood what was happening, there were no "grey areas." We had worked with Joe before on our old home and were blown away with how important it was for them to get us the best deal possible. This experience was no different. Thank you Joe!
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.
Joe was awesome, walked me through the process and gave me different options to best suite my needs.
I have had the pleasure of working with Joe through several transactions now. I can confidently say that he sincerely cares for his customers and wants to do the very best for them. He’s an honest and good guy that won’t steer you wrong even if it means the best decision is to wait just a little longer before plunging into a committed payment. I consider him a friend; he’s the only person I trust with my finances and the only person I will recommend.
Joe has always been attentive, responsive and a great partner. I appreciate the chance to work with him.
Joe is very helpful, and ensures his clients are well informed every step of the way. He goes above and beyond expectations.