Hard work, integrity and knowledge, gets the job done on time, every time! (909) 821-7447 - Direct Line It's rumored that Joel is one of the hardest working loan officers in the area. Helping families purchase their homes is no small feat but well worth the battle. Buying a home is one of the biggest purchases many of us will make. Being a critical part of that process brings a big reward for Joel. For those clients that do not immediately qualify for financing, the answer they receive is never "no". The answer is just not now, followed by a detailed game plan tailored to their unique profile that will eventually put them in a position to qualify for a home loan. As long as you are a motivated home buyer, Joel is there to guide you. Joel is considered a buyers dream, converting No's into Yes's and Making Dreams come true.