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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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We just closed a challenging MSHDA loan for my clients who do not speak English. This transaction required expertise beyond the normal communication levels. Everyone pulled together to make this happen when it seemed impossible. I am so grateful...
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Loan officers were very capable in providing solutions for my relocation, professional, and a pleasure to work with.
Reply from Joe Sambaer
October 19th, 2026 01:24 PM
I'm happy to hear that you found the loan officers capable and professional, Giuseppe. At Dart Bank, it's important to me that your relocation process is smooth and enjoyable.
Great communication and we closed on time!
A very seamless process. Very smooth.
Reply from Joe Sambaer
October 5th, 2026 01:35 PM
I'm glad to hear that the process was seamless and smooth for you, Randall. At Dart Bank, we strive to make every experience as straightforward as possible.
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.
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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