"Joe was extremely helpful with my refinance. He saved me and my husband about $190/ month. He reduced my rate and PMI. He explained everything to me upfront and kept be updated through out the entire process. I will definitely use him again."^^ . "0"^^ . "0"^^ . . . "5"^^ . "0"^^ . . "2016-09-20T00:00:00"^^ .