I worked with Joe ******** on a construction loan which is so different from a regular loan. No matter how many times I didn’t understand something or got confused he would take the time to explain it or show me what I wasn’t understanding. This is the second time I’ve worked with Joe. The first time was with a regular loan and he is always helpful and gets the job done. I would recommend him and his staff. He recommended the builder we are using this time and we couldn’t be more happy. He is very happy to help in any way he can.