Advice for New Home Buyers
Budget a payment you are comfortable paying each month. When you pre-qualify for a loan, the maximum payment you qualify for may be much higher than what you are comfortable paying.
“I contacted Joe with a few questions about a refi and he was so quick to get me the answers that we just moved forward with the process. I believe it was 3 weeks from 1st contact to close which was so fast. He maintained constant communication throughout the whole process and even answered the phone EVERY time I called haha, rare to find. His fees were much less then others I've looked into. Great rates, great service, highly recommend, and have already referred!!”
—Jenn Owens from from Port Orchard, WA
“Joe Davis is a top-notch professional and just an excellent person to work with. He handled our close for a home purchase in 2019 and our refinance in 2021. We were delighted with how well-informed he kept us throughout the process, how smooth and quick both closings were, and what a clear and quick communicator he was.”
—Elise Takehana from from Harvard, MA
“Joe helped us with our original loan and reached out to us about refinancing. Through both processes, he was very helpful, quick to respond, stayed on top of everything, and was happy to answer all questions. I would definitely recommend working with him!”
—crystalmyistal from from Macungie, PA
“Our story: Joe was recommended to my wife and I through a family friend. We had decided on a house that we wanted to purchase and had a little over three weeks until closing. We contacted joe after seeing our realtors preferred lender’s rate. All I can say is Joe put a smile on our face with the compared rate. Our closing was within three weeks and upfront he told us that it would be close to making the closing on time. Not only did we make the closing on time but Joe work through a shoulder surgery the weekend after we asked for his quote. His attitude, professional courtesy, honesty is a reflection of his integrity. Thanks Joe, you have our future business.”
—djgreen2134 from from Moncks Corner, SC
“Lets start this by saying that I am a licensed real estate agent. I see a ton of VA lenders across the board, but I decided to trust Joe with my home loan. He is knowledgable and available for questions. He walked us through every step along the way. NBKC has lower interest rates and closing costs than a lot of their competitors which really helped me save money in the long run. I highly suggest using Joe Davis for your home loan needs. I certainly suggest him to my clients!”
—Kevin Troller from from Port Orchard, WA
“Though we live in the PNW, the distance made no difference. Joe made us feel like we were his number 1 priority. This was a new process for my wife and I, but Joe provided us with constant communication and feedback, regardless of the time zone difference. Highly recommend speaking with Joe for all your home loan needs!”
—D. Neri from from Bremerton, WA
“Joe got us a better deal than the other lenders we contacted. He was always responsive and a great help. 100% would go with him again. Highly recommend.”
—NELS LINDBERG from from Silverdale, WA
“Joe helped me obtain a mortgage at a very low rate when I first bought the house. He contacted me back in July to inform me that he thought he could refinance my loan at an even lower rate. Joe goes above and beyond the call of duty not only to help his present clients, but his past ones as well. I can’t recommend him enough.”
—Robert Clarke from from Bremerton, WA
“Joe was a pleasure to work with an I would definitely use him again! He returns your phone calls, text messages and emails in a timely manner. He keeps you updated as to the progress of your loan/refi which is very helpful during the home buying/refi process. Joe is one of the best I have ever had to work with!”
—Sean ODriscoll from from Port Orchard, WA
“This guy right is the go to! Absolute BEST, I tried bout five other lenders and NOT ONE could even come close to Joe. Hands down great guy and amazing to work with! Oh and need help with closing costs? He’s got you takin care of!”
—Nathan jablonowski from from Lakebay, WA
Work hard and focus on the positives.
Kansas Jayhawk Basketball
University of Kansas
Sail across the ocean
Helping clients achieve their goal of home ownership.
Fishing and exercising.