Our biggest pet peeve is customer service. We would pay more for good customer service. However, with Joe we got the hest of both worlds! Not only did we pay the lowest closing costs we've ever paid, but Joe answered all of our questions in a timely manner. We have done business and completed transactions all over the country, Joe is the first mortgage professional that always got back to us within 24 hours and many times within an hour. We have already recommended him to a friend, and Joe will get return business from us.