We would not hesitate to recommend Joseph to anyone. He MAKES IT HAPPEN. He has helped us through the purchase and refinance of several homes. Since we started using Joseph my stress level during the purchase process has dropped dramatically, because Joseph does what he says he is going to do. I no longer worry, "will it really happen". Our questions are answered quickly and concisely every time. I cannot even begin to express how much we appreciate all that he has done for us.