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 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 realtor highly recommended we reach out to Joe to get an idea of the rates available to us during our house hunt and to see what could be done for us. Joe was immediately very welcoming and helpful in every area you can think of. No matter the question, whether it be something with the loan process or just getting an update on estimated payments for every single house we were looking to bid on, Joe was quick to respond and had to issues explaining everything to ensure we were up to speed. The next time I am in the market for a house I will be going straight to Joe, and there is no one else I will recommend to anyone I know who is looking to buy. You will not regret working with him!”
—Mike C. from from Bremerton, WA
“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
“Joe came highly recommend to us by our realtor and we are so glad we reached out to Joe. Joe was very helpful throughout the mortgage process and that was very important since we were first time home buyers. We were always provided with information and when we had questions Joe always answered them. Our closing process was smooth and we were very pleased with our experience.”
—Cecilia Jarrett from from Bremerton, WA
“Joe was a great Mortgage Advisor for a first-time homebuyer. He answered all of our questions in a timely fashion and kept us updated with any changes throughout the mortgage process. I would recommend Joe to any prospective homebuyer!”
—Matt from from Orlando, FL
“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 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
“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.