100% Real customer testimonials
Below, you will see customer testimonials from 2007 closed customers of mine.
I provide these as a means for you to see that I keep my promise of a smooth, transparent closing where my goal to provide you enough information to make an informed & sound financial loan decision comes true. Again & Again!
Note: Most recent testimonials are at the bottom of the page.
Testimonials:
The experience I had was amazing. When I started the process I was very nervous because I felt like I was not well informed about everything that goes into buying a home. Throughout the entire process Joe and the entire team helped me, informed me, and basically held my hand. I completely trust Joe and truly feel that he has my best interest in mind. He explained everything to me and made the process a smooth one from start to finish. Thank you for your time Joe. I really want to pass your name along to family and friends. I know they will be taken care of in the same way.
-Marcia Peot
Being a first time home buyer, I had many questions and needed a lot of hand-holding throughout the borrowing process. The patience and willingness Joe exhibited when addressing my questions was amazing. He introduced and explained concepts that were new to me in language I could understand, always in tune with the fact that this was my first time buying a home. I would and will recommend him to any of my friends and family members, whether they’re a first time or experienced home buyer. Because of Joe, Ruth and I could not be happier
-Dan & Ruth Tibus
Joe Spisak is a top-notch professional who has repeatedly proven to us that he goes above and beyond for his clients. In our dealings with Joe he has always been easily accessible and guided us thoroughly through every aspect of the mortgage process as we went through it. He also matched us with the right type of loan to fit our needs. We would definitely (and have in the past) recommend Joe to everyone we know. We are always pleased to work him and will not hesitate to give him our business in the future!
-M & S Orozco
Fantastic! Very easy. Even though I forgot things and had to ask questions over and over, Joe does not make you feel stupid. Great rate, easy closing. Thanks again, Joe!
-Laura & Tom H.
Joe was professional in every phase of the mortgage process. He was easy to talk to, answered all of my questions comprehensively, and made the home-buying experience minimally stressful. I will definitely recommend him to my colleagues and friends who may need his services in the future.
-Jeanine Jessberg
My husband and I had a great experience working with Joe. We both felt that Joe (who we had refinanced with before) was someone who was looking out for us to get what would be the best for us, our family and our particular situation. We feel that Joe is a man of integrity who is a man of his word and that we can depend on.
Joe, thank you again!
-Robert and Mary Anne Downing
I feel very fortunate to have had Joe as my lender. Being a first-time home buyer, I was considerably nervous and knew very little about the process. Thank Heavens for Joe! He always gave me every piece of information that I asked for (even if I didn’t know what it meant) and was very patient with my lack of experience (and with some unfortunate vacation timing). He is always very friendly and he definitely looks out for his borrowers (he even paid half of my lawyer fee!). I’ve heard many horror stories from others about their experiences purchasing a home, but I can honestly say that mine was pretty great (considering I didn’t use a Realtor, had less than 1 month to secure a loan, and had to go out of town the week before closing and while Joe was getting my loan approved). I had an absolutely wonderful experience with Joe. I will definitely use him again and I have already told all of my friends and family about my experience. Thank you so much for all of your hard work, Joe! You are wonderful!
-Megan Bowgren
Joe was very helpful through this entire experience. This was my first time purchasing a house and I felt very comfortable working with Joe. He is quick in responding to questions, and he is very thorough. I was recommended to Joe by a family member and I would definitely recommend him to anyone that asks!
-Shannon Estes.
I have secured several mortgages with Joe and I continue to be impressed with his understanding and the attention he pays to the customer service area. Joe took the time to explain all of the details and we felt very comfortable with our loan package!
-Chad Purdy & Asta Anskeine
7/30/07
What service really means:
As a long term REALTOR, I know many mortgage professionals. When the time came recently to purchase a condo for my wife and myself, I chose Joe Spisak of Amerihome Mortgage. I trusted him and liked the thorough, professional style he exhibited over the years with several of my fellow agents. Joe rewarded my choice with quality services that went far beyond my high expectations. As noted below, if it weren't for Joe, my closing may have been totally sabotaged by an incompetent title company employee.
The loan application process is by its nature highly technical and somewhat demanding upon the applicants. Joe kept the process moving smoothly with secure internet access to all the necessary forms and prompt follow-up by his staff. Thanks to his persistence, the loan approval and the funds to close were sent to the title company ahead of the scheduled closing. We were confident of a fast closing.
I was pleased to see Joe at the closing. but expected that he would just provide token support and pleasantries. When it turned out that the inexperienced closer was turning the process into a nightmare, Joe stepped in to get the job done. He got the key decision makers from the lender on the phone when the closer was unable to do so. He also documented and sorted out (more than once) how the gift money that we had received factored into the funds to close. Essentially he guided the closer through the closing process. Understand that this was a major, very well established title company. Our 'fast' closing had turned into a three and a half hour ordeal. Lucky for us, Joe stuck with us to the end.
This was my wife's first closing in 25 years, and she was amazed at how important Joe was to the transaction. That night she said "If it weren't for Joe. we would still be at the closing". She suggested that I write this note and she totally endorses its contents.
In my experience, home buyers mistakenly focus only on the mortgage rates when shopping for funding. That's understandable because rates are easy to compare while service is hard to quantify As a mortgage broker/banker with many sources of funds to tap into, Joe got us a very competitive rate (a quarter point below where we were locked) and he would have dropped us further if rates changed in our favor. His fees were quite reasonable and there were no surprise or 'junk fees'. However, it was his service throughout the process that was so remarkable. I hope that this unsolicited testimonial will reassure other potential buyers, that there are excellent mortgage professionals who do make a difference. Joe Spisak is one of them.
In the interest of full disclosure, I want to emphasize that I have NO cozy business relationship with Joe. When my clients ask about lenders, I always give three names to avoid any conflict of interests. As a consumer advocate, I suggest that buyers interview each potential lender to find one who listens well, explains thoroughly, and makes them comfortable. Joe is definitely worth such a call. He attends all his closings, so the extra service that I got could well be yours. I hope you don't need the help, but it's great to know he'll be there, just in case.
Gratefully and respectfully,
Bill Ryerson
Lake View Realty
10-09-07
This was my second time using Joe as my mortgage broker. Both times he was very friendly, professional, accessible, and fair. His experience was helpful in making sure I understood all aspects of my transactions. He also helped me with my home equity line of credit. It’s very refreshing to experience that level of customer service in any business today.
Mark Treitman
11-28-07
Joe, you did a great job. With me being a first time home buyer you really explained things in a way that I can understand it. You made yourself always available to me when I had questions. Thank you again for all of your help. I will definitely recommend you anyone I know buying a home.
Kathy Grabic
11-30-07
Joe – You have been more than patient with “the loan that never ends” (my apologies if that song sticks in your head). Now that it has finally, happily closed, I appreciate greatly that you stuck with it. You probably spent 10 times more effort (months more time) getting our loan to closing, but you never made us feel like “second class” clients. Thanks.
Jason S.
12-04-07
Joe did a wonderful job of walking me through the process. The level of customer service and access was outstanding! I travel for my job and am often on the road. This process was one of the easiest things I have had to handle in my hectic life!
Katie Tierney
12-21-07
Joe is very easy to work with and really simplifies the process [compared to my old National City mortgage relationship]. I will definitely seek his expertise on future financing needs.
Deneeta Pope
01-14-08
“Excellent, Seamless, Caring, Supporting,” these would be just some of the words I would use to describe my experience with Joe Spisak.
In my job I evaluate customer service throughout the world, and I’m a heavy critic with those who do not treat other in the same way they would want to be treated. Joe is the reflection of what Customer service should be. He answered every single one of my questions in a very professional and understating way. He demonstrated a very profound sense of caring for the needs of my family as well as my economic situation. Every time a step was taken, he was there to guide me and explain to me way it was needed. He constantly was in communication with me with updates on where the process was and took the time to answer my questions at any time.
I truly understand that in this economy it is very difficult to find an honest person that cares for the needs of others. Joe Spisak is one of those rare persons that exist to help and guide others into financial success. Joe, my family and I thank you very much for all your hard work, guidance and support into helping us re-finance of our property.”
Ricardo Cienfuegos
02-05-08
Joe is very personable and pleasant to work with. I felt as though he really cared about helping me get the loan; not for his own commission, but because he really wanted things to work out for me. I am very impressed; usually salespeople are greedy and self-serving. Joe is not like that at all! Joe is a saint!
Joe also went out of his way to keep all loan parties informed. He contacted my realtor and attorney to inform them of loan status instead of leaving it to me to make numerous phone calls. He also gave me a credit at closing to make up for [other's poor sevice.] Name a salesperson that does that! Again, Joe is great! I will encourage all of my friends to contact Joe for future financing. Yea for Joe!
-Crystal Malone
02-18-08
Joe has been our mortgage professional for the only three homes we have ever purchased and he has handled every refinance including this one, which was truly remarkable as he secured extremely low rates during a very turbulent market. I have recommended Joe to numerous friends and family over the years and will continue to do the same if the situation arises.
Joe you did a great job again and we thank you for saving us a ton of cash.
-Brett & Suzanne Weaver
03-10-08
Joe worked night and day to get my paperwork in order and on time! I had e-mails from him at 11PM and on the weekends. How many people do that!! I needed to close in a short period of time and he made that possible, something my usual lender couldn’t do. He went way above and beyond the call of duty! Many thanks!!!
-Sharron Harlan
03-19-08
Joe was extremely helpful from beginning to end. He was very courteous and patient when we had questions and did an excellent job at explaining specifics we wanted to know more about. He was honest and upfront throughout, and did what he said he would do when he said he would do it. It was great to have someone to call anytime we had questions or concerns. We plan to work with Joe in the future.
Derek & Kimberly Adams
04-04-08
Joe was extremely helpful and informative. I was especially impressed that he attended our closing and worked hard through the entire closing day to address last-minute concerns that we had. He went above and beyond the call of duty.
John & Marie Lynch
05-17-08
Dear Joe,
We wanted to send you a note of gratitude for all of your help and hard work over the past several months. We feel that you got us good mortgages, were very informative and responsive at every step, and there is no question that without your advocacy and efforts we would not have closed when we did and Sofia would not have been on the title. And that really makes a big difference.
So, thank you so much. You can be assured that we will be recommending enthusiastically you to our friends and acquantainces who may be looking to get a mortgage or to refinance.
Our best wishes,
Bernard Ewigman & Sofia Medvedev
06-26-08
It was a positive experience. Joe’s figures from the Good Faith Estimate to Closing were consistent. He is knowledgeable about what he does. I especially appreciated his guidance in dealing with the closing of my second mortgage.
Dan Balasz
07-01-08
For being a first time home buyer this experience went very well. I had great people working with me making sure everything went smooth. I would recommend Joe’s service to friend’s and family.
Ben Miller
10-07-08
Joe, we feel like we really truly know you and trust you! We have and will continue to recommend you to people we know. We are so confident using you, it’s great – we feel like you are great at explaining things, patient with our questions, extremely quick in your communication and processing – we could not be happier!
Thanks for making this such a great process for us!
Katie and Andy Lehmann
10-08-08
We feel Joe is a true professional. He cares about his customers and goes above and beyond what is necessary to make them happy. This loan process has been an overall pleasant experience & we would highly recommend Joe to anyone seeking a mortgage.
John & Holly Schmid
11-18-08
Being a first time home buyer, I was not aware of the amount of detail associated with the process. But working with Joe, I felt very confident that everything was in order. Joe was extremely helpful in analyzing my situation and offering advice and guidance to make my purchase worry & error free. Joe also went above and beyond what other Brokers did – instead of saying that I couldn’t get the package that I wanted, Joe layed out a plan that would get me to where I needed to be so that I could get all the benefits from the right mortgage package. I will most definitely be recommending Joe to any of my family and friends that are looking to purchase real estate.
Miguel Luevano
11-19-08
Joe Spisak was more than helpful. We would not have been able to purchase our new home had it not been for the hard work and dedication he gave us.In short, he is our mortgage rock star. Thanks again Joe.
Brian & Julie Jensen
|
