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Joseph Sambaer
Loan Officer | NMLS# 783176
Joe graduated from Michigan State University with a Bachelor of Arts in Accounting and is a registered CPA. After graduation, he worked for the international accounting firm, KPMG, as an auditor and then moved to the regional firm, Andrews,... Show More
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Reviews from Web
We applied for a mortgage loan with our personal crefit union and they weren't meeting our expectations by giving us low loan amount, and not being very helpful.We were referred to the Joe Sambaer team who helped us with the loan process, answered...
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Joe Is the lender I ALWAYS recommend!
I so appreciate the team from DART Bank. As a first time buyer I appreciated the professionalism, patience, and perspective shown in all ,your interactions. It is comforting to see a bank follow through with the attitude that the best course...
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Reply from Joseph Sambaer
July 30th, 2026 04:00 PM
Thank you so much for your thoughtful words, Elden! It was truly our pleasure to be part of your first homebuying journey. We're grateful for the opportunity to help and are so glad our team's professionalism, patience, and guidance made a...
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This is the fourth time we have gone through a home buying experience and was by far the easiest time doing it. Thank you to Joe and his team!
Reply from Joseph Sambaer
July 23rd, 2026 04:55 PM
Thank you so much for your kind words! It means a lot that after four home-buying experiences, this one stood out as the easiest. We are committed to making the process as smooth and stress-free as possible. We truly appreciate your feedback...
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Joe was hands down amazing to work with!
Reply from Joseph Sambaer
July 21st, 2026 01:33 PM
Thank you so much, Savannah! It was a pleasure working with you. I really appreciate your kind words and am grateful for the opportunity to help. Wishing you all the best, and I hope we get the chance to work together again!
Joe and his team were great to work with! They provided clear communication through the entire morgage process. Would definitely work with them again!
Reply from Joe Sambaer
July 21st, 2026 01:11 PM
Sydney, I'm grateful for your positive feedback. It's nice to know that you appreciated the clear communication throughout the mortgage process. I look forward to the opportunity to work with you again in the future!
It was great working with Joe and his team. Great communication and very friendly
Reply from Joseph Sambaer
July 14th, 2026 06:41 PM
Thank you for the kind words! It was a pleasure working with you as well. We truly appreciate your feedback and are glad you had a great experience with our team. We look forward to working with you again in the future!
The experience started out very well. communication was hot or miss hut it's clear Joe knows his business. I felt as I was not a priority several times in the beginning as the commu ication was spotty at best. We get through this and went to...
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Reply from Joe Sambaer
July 9th, 2026 04:07 PM
Thank you for sharing that we did not meet your expectations. Your feedback will be further reviewed.
Working with Dart was a smooth and professional experience from start to finish. Our loan expert, Joe Sambare kept us informed at every stage and answered all our questions promptly. The process was straightforward, closing costs were clearly...
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Reply from Joe Sambaer
July 9th, 2026 03:30 PM
Ahmed, I'm pleased to hear that you had a smooth and professional experience with Dart Bank. It's great to know that my efforts in keeping you informed and addressing your questions contributed to a hassle-free mortgage process. Thank you for...
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Joe went above and beyond throughout our home purchase. We faced several unique challenges that required multiple loan revisions and repeated adjustments to our closing schedule. Joe worked tirelessly behind the scenes, remained responsive...
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Reply from Joe Sambaer
July 8th, 2026 07:31 PM
Brian, I'm thankful for your kind words and am glad to hear that my efforts helped ease the challenges during your home purchase. It's rewarding to know that my persistence and dedication made a positive impact on your experience. If there's...
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About
Joe graduated from Michigan State University with a Bachelor of Arts in Accounting and is a registered CPA. After graduation, he worked for the international accounting firm, KPMG, as an auditor and then moved to the regional firm, Andrews, Hooper and Pavlik. He joined the mortgage team that is now part of Dart Bank in 2003, where he has 20 years of experience as a mortgage banker. His clients benefit from this experience, as well as his strong analytical skills, interpersonal skills and his commitment to his client’s success.
Joe serves as a founding partner on the Joseph Team alongside Joe Joseph, Sam Fata and Maddie Maloney. The Joseph Team has been an industry leader in the state of Michigan since 2005.
Products & Services
Mortgage Loan Officer
FHA Home Loan
Jumbo Home Loan
Specialities
Construction Loans
Jumbo Loans
Conventional Loans
FHA Loans
Physician Loans
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Positions
- Dart Bank - Sr. Mortgage Banker and VPJan 1st, 2003 - Current
Memberships
- Italian American Club of Lansing
- Women's Council of Realtors Lansing
- Realtor Association of Sarasota and Manatee
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2003
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 783176
Awards
Achievements
- Certified Public Accountant
Hobbies
- Reading
- Ice Hockey
- Golf
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Disclaimer
Equal Housing Lender | NMLS# 406394