Joe Pappas pulled multiple rabbits out of hats with our mortgage. He even said his end goal was to go above and beyond expectations. When most banks would not give us the time of day, for months he worked with us giving us pointers in raising our credit scores, lining up proof of income letters and literally walked us through the entire buying process from start to finish. It was challenging yet with his constant being there for any and all issues or concerns, it made the process almost seamless. I completely recommend Victorian Finance for your mortgage needs.