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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 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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Experienced and reliabililitt.
Reply from Joseph Sambaer
July 13th, 2026 02:01 PM
Thank you for the review. I'm glad my experience and reliability made a positive experience. We truly appreciate your support and look forward to working with you again in the future!
Experienced and reliabililitt.
Reply from Joseph Sambaer
July 13th, 2026 02:01 PM
Thank you for the review. I'm glad my experience and reliability made a positive experience. We truly appreciate your support and look forward to working with you again in the future!
Joe was absolutely wonderful to work with! He explained everything to us throughout the whole process and we are so grateful to have had his expertise!
Reply from Joseph Sambaer
June 15th, 2026 01:31 PM
Thank you so much for your great review and kind words, Brande! Providing expert guidance and clear communication is something I take great pride in, and it is rewarding to know that it made a difference for you. I really appreciate your feedback!...
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Joe and the team at Dart Bank provided an outstanding mortgage experience from start to finish. Our situation was more complex than a traditional mortgage, and Joe was knowledgeable, responsive, and proactive throughout the entire process....
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Reply from Joseph Sambaer
June 15th, 2026 01:26 PM
Thank you for such a wonderful review, Russell! We are honored to have been part of your homebuying journey. I am thrilled to hear that our team was able to make the process smooth and manageable for you. Providing clear communication, personalized...
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Joe Sambaer and his team provide such exceptional professional and personal service! They treat clients like they are their own family! I highly recommend!
Reply from Joseph Sambaer
June 15th, 2026 01:22 PM
Thank you so much for the kind words, Robin! We are truly grateful for the opportunity to serve our clients and help them achieve their goals. We are committed to providing both professional guidance and personalized care every step of the...
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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