I am now a first time home owner thanks to Joe. He checked everything that I could qualify for as far as grants and loans. He let me know what I had to do in order for my credit score to be FHA ready. He went above and beyond to help me. That is why I recommend him to my friend. Which he is helping her this very day. I would recommend him to anyone who is looking for a home loan. Even if you don't think you qualify for one. He will give you step by step instructions so that you will qualify for a loan. Thanks Joe for helping me and my family get our dream home.