Simply put, Joe Davis did an outstanding job for my family in the refinancing of our house! Joe listened carefully, asked specific questions, drilled down to what our needs were and put together options for products that would meet those needs. We were not hounded by unnecessary phone calls or emails, Joe contacted us with questions only when needed, and he kept us informed during the entire process. Everything went smoothly thanks to Joe's knowledge and experience! Thanks very much, Joe. We're very glad we found you.