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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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A very seamless process. Very smooth.
Joe was very knowledgeable reg mortgage and heloc loans and explained each.
Reply from Joe Sambaer
September 28th, 2026 05:18 PM
Gregory, I'm glad to hear that my explanations about mortgage and HELOC loans were helpful to you. At Dart Bank, ensuring that you understand your options is important to me.
Currently living in another state and about to move to Michigan, I have been doing long distance communications with Joe. He has been gracious and very patient with this 84 year old lady! ❤️ I hope to have great future dealings with him and...
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Reply from Joe Sambaer
September 21st, 2026 08:12 PM
Sharon, I'm pleased to hear that the long-distance communication has been smooth and accommodating for you. I appreciate your kind words and look forward to assisting you with your move to Michigan and any future dealings with Dart Bank.
Working with Joe and his team was a wonderful expereince. Great communication from the beginning to the end.
Reply from Joe Sambaer
September 15th, 2026 06:55 PM
Nathan, I'm glad you had a wonderful experience working with me and my team at Dart Bank. It's nice to know that our communication met your expectations throughout the process.
Joe Sambaer is excellent to work with. I have used him for four different mortgages. He takes the extra time to make sure he does what is right for his customers. I have recommended to my family and friends!
Reply from Joe Sambaer
September 8th, 2026 08:42 PM
Mathew, I appreciate your continued trust in me for your mortgage needs and your kind recommendations to family and friends. It's good to know that you value the time and care I put into ensuring the right decisions for my customers.
This was a difficult one and Joe managed to put everything together. Never had a doubt that he could'nt do it. Great experience and closed the loan on time.
Joe & his team are exceptional communicators. their willingness to be available and responsive around the clock is second to none. Joe was very beneficial in building out a best strategy & plan of attack to meet my family goals & needs.
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Reply from Joe Sambaer
August 28th, 2026 01:24 PM
Bryan, I appreciate your kind words about our communication and responsiveness. I'm glad I could assist in creating a strategy that aligns with your family's goals and needs. Your satisfaction is important to me.
Very easy to gwt a hold of , the portal to upload documents was fast as well as knowing where I was in the process. I was also able to text the team with questions.
Reply from Joe Sambaer
August 20th, 2026 03:43 PM
Marcy, I'm happy to know you found it easy to reach me and that the document portal worked well for you. It's great that texting the team was helpful in answering your questions. If you need anything else, feel free to reach out!
Joe is one of the best in the business! He has a way of explaining options to my clients that ease their stress and answer all of their questions. Thank you, Joe! You are one of my favorite recomm!
Reply from Joseph Sambaer
August 13th, 2026 07:21 PM
Thank you so much for the kind words! I truly appreciate your trust in me and my team. Helping clients feel informed, comfortable, and confident throughout the process is what we strive for every day. I'm grateful for your partnership and look...
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Joe and the team were absolutely excellent from the initial stage through to the closing. They went above and beyond to make sure my wife and I obtained the required documents and guidance. We really appreciated the constant communication and...
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Reply from Joseph Sambaer
August 13th, 2026 07:18 PM
Thank you so much for your incredibly kind and thoughtful review! It truly means a lot to me and the entire team to know that we were able to make your loan process smooth, stress-free and comfortable. We are especially grateful for your trust...
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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