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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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Joe was hands down amazing to work with!
Joe and his team were great to work with! They provided clear communication through the entire morgage process. Would definitely work with them again!
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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Joe and his team were extremely helpful and pleasant to work with. They were there for any and all questions in a very timely manner.
Reply from Joe Sambaer
July 2nd, 2026 04:20 PM
Kathy, I appreciate your kind words and am glad to hear that you found my team and me helpful and pleasant to work with. It's great to know we were able to address your questions promptly. If there's anything more you need, please feel free...
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Joe does a great job of working with all the different people in the transaction from the Buyerto the Buyer's Agent, the Transaction Coordinator and the Title Company. Keeping everyone infpormed of what to expect next. Joe is awesome.
Reply from Joseph Sambaer
July 13th, 2026 02:03 PM
Thank you so much for your kind words! It means a lot to hear that. I believe clear communication is one of the most important parts of a successful transaction, and I work hard to keep everyone informed and on the same page from start to finish....
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Amazing all around. extremely informational, helpful, and kind . I would definitely recommend to any family or friend !
Reply from Joe Sambaer
June 26th, 2026 01:44 PM
Byron, I appreciate your kind words and recommendation. I'm pleased to hear that you found the experience informational and helpful. If there's anything more I can do for you or your loved ones, please feel free to reach out.
Early communication was slow and limited, not much clarity on process and where we were along the way. Had to raise the question and specifically ask for approval letter when we got pre-approval completed, even after we were told we were pre-approved....
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Reply from Joe Sambaer
June 26th, 2026 02:32 PM
Max, I appreciate your feedback and I'm sorry to hear about the initial communication challenges you experienced. It's good to know that things improved as you moved forward with your purchase. Please feel free to reach out to me directly if...
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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