We have used Joe for three mortgages to date. Each has gone exactly as planned. I feel that I have very high standards for service, and Joe has met them each and every time. He is quick to respond, always keeps us informed, and is crystal clear on what we need to do to get the loan done. We have used him for VA loans, in state and out of state. Even working long distance we never had a problem. I highly recommend him for your mortgage, he knows his stuff and won't let you down!