Joseph H. worked magic when he worked my VA LOAN purchase on new development in California. I was purchasing as an out of state resident, and my situation was a little more complicated to deal with because of the stringent rules that regulate a VA Loan. After trying two other lenders previously, i was denied a pre-approval for The home I wanted to purchase because I was living and working in Hawaii with the intent to transfer. The other lenders did not want to find ways to make it happen, instead, they basically shut the door in our faces and said they couldn’t make it happen. We then took the advice of a friend who recommended us to her old lender, Joseph, whom had refinanced her home. We contacted him right away... and guess what! He made it all happen! The pre -approval, the final approval... and the closing on our dream home! We couldn’t be more happy and satisfied with Joseph for helping us through this long process.

I would trust Joseph with everything! He knows what he is doing 150%!!!

I’m a first time home buyer and there were a lot of first, a lot of questions, and Joe was a patient guide. I highly recommend his services. Joe is extremely responsive, he always immediately replies to calls and emails, and takes time to answer questions fully. Even with the demands of being a new parent he consistently came through for me, which really says a lot for his work ethic.

The need to move quickly when submitting an offers on a home in this competitive market is intense, Joe always made it happen. He makes it as easy as possible to muscle through what can be a pretty stressful process because he is easy going and persistent. Thanks Joe.