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5.0
3 Reviews
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Christie Alarcon
· February 23, 2017
I gave Joe a call last night and he called me back the next day. I am just beginning the mortgage process, and he explained all of my options thoroughly. He was very patient with my many questions and... spoke with me himself for almost an hour. I highly recommend Joe as your place to get started with mortgages because he is so knowledgeable and honest upfront. See More
Josh Gatesman
· August 6, 2014
Joe was an extremely essential part of my process in purchasing my home in Brevard County. He is an excellent Mortgage Professional. He is very sharp and responsive. Any questions or inquiries I ha...d, he would often respond within the hour! He really went the extra mile to gain my business. With Joe's help and experience, we were able to close on this bank owned home in a very short timeframe! See More
Bill Dunlap
· March 21, 2017
I had the pleasure to meet Joe recently. After our conversation I felt he was a professional in every way. I was impressed he took the time to answer all my questions with patience and sincerity.
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VA allows up to 4% in seller concessions, and closing costs are not included in that calculation (but prepaid items are). As long as the amount of your concession plus the amount of the prepaid items does not exceed 4% of the value of the property, the seller can pay!

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