I have worked with Joe on two occasions, and both times, everything went smoothly. On my most recent refi, Joe was not able to meet or beat a rate that another lender provided me, and he recommended that I go with the other lender because it was a great deal for me; however, due to poor communication with that other lender, I ended up contacting Joe again, and this time, he was able to beat the rate that I had with the other lender.
I started up the process with Joe, and we closed before the other lender finally got back to me to check in on me... even though I had called and left several messages with him and sent numerous emails. Sometimes, the better deal really isn't!
Joe is honest and is in constant communication. If he cannot beat another deal, he will let you know up front and not talk trash about the other lenders to try and get your business... something that I ran into a lot while shopping for my refi.
Joe has earned my repeat business, and I will reach out to him any time I am in the market to refi. Highly recommended!