Joe Juliani was a great blessing to us as we navigated the refinance of our home loan. He was very proactive in keeping up to date and communicating to us with current rates. He seemed to anticipate every question we would ask and patiently took the time to thoroughly explain details and answer all of the questions we had during the process. Joe made me feel that I finally had someone working for me in the refinance process. Those other companies can make you feel so degrading, but Joe was concerned, professional and personable in every step of the process. What a peace it was to know that we had an expert in Joe on our side!!