Joseph Spears

What clients say

• I reached out to Joe for advice on a difficult and complicated mortgage situation and I have to say he was very helpful, professional and compassionate in giving me the news I was afraid I might hear. I would trust him both in a personal and professional sense. As an added note, his follow through is unsurpassed. You would be in good hands with Joseph.

• I started the process with a different lender and was having some appraisal issues. I made the right choice by calling Joe. Not only did he go the extra mile for us during the refi process. He continued to make sure any and all questions were answered as if it was his own personal loan he was doing. That was the service we experienced with him. Also they were cheaper in closing costs as well as interest rate by almost .5 a point.We closed the loan within a 30 day framework with a holiday. Let it be noted that when they needed documents we got them to them within 24 hours. If you delay getting docs to them you cant expect quick closing.Nothing but good things to say about Joe

• My wife and I have known Joe for several years and knew he had experience in the mortgage industry. We were not planning on buying a new house anytime soon. But when we stumbled upon the perfect house in the perfect part of town, we knew we had to act quickly. After discussing with our real estate, we called Joe right away. Even though the builder was pushing their lender, and the fact that I work for one of the largest banks in the country, we still went with Joe because we knew he would look out for us in a way that other lenders would not. He did not disappoint.I never realized how important the right loan specialist is in the entire home buying transaction until we worked with Joe. From the first call, Joe was able to get us pre-qualified quickly so we could meet with the builder the following day. Joe even gave me a heads up that we could be approved without a conditional sale of our existing home. At the time I didn’t know what that meant because we had planned on selling our house anyway. Sure enough when we sat down with the builder, they told us an offer required a contingent sale of our home within 30 days, or a non-conditional approval from our lender. With the info Joe provided to us, we were able to write the correct offer that day and get the house and lot we wanted.Even though our house took 8 month to build, Joe kept in touch with us throughout the process, letting us know what to expect from the builder, lender, and giving advice on actions we could and should not take so that we did not adversely effect on our credit reports prior to closing the loan. The service Joe provided was above and beyond what we expected from a lender. When selling our existing home during this time period, Joe explained the different types of loans that the buyers were using in their offers, and how the terms of those loans might affect our sale. Joe’s knowledge of mortgage products and processes was invaluable to us in not only buying our new home, but selling our existing home. Most surprising was a call from Joe giving us a head’s up on how rates were reacting to some recent news. He had been watching rates closely and alerted us to a sudden change in rates. We were about 40 days out from closing, and with the information and options Joe provided, we locked in an excellent rate. At this point there was no doubt we had made the right decision to go with Joe. Had we went with another lender and been just another borrower, I would not have gotten a call until we were within the 30 day lock period and probably gotten whatever the rate was when they got to my call. Thanks for everything Joe! We’re glad to have you on our side.

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