11/09/2010
Mike,
“You are a rockstar. I am very pleased with your quick response and attention I have received from you and your team. You have my highest appreciation and will refer you to all I know as the need comes up”
Steve T., Seattle, WA
10/20/2010
“To Whom It May Concern:
I was a single mother who was struggling financially when I first met Michael Joy. I had been talking with our HR manager and found out that her brother was a mortgage broker who might be able to help me get out of an ARM loan. I originally got this loan to help rebuild my credit with the intent to find a fixed rate loan in 2 years. When I first talked with Mike, my 2 years were just about up and I needed to find a fixed rate loan.
My financial issues were causing me problems and it was difficult to find someone who could help me, but Mike worked with me and we were able to find a lender who was willing to take a chance and at a great interest rate ““ 6.25% (which was good at the time I was going for the loan).
Since that time, I have gotten married. In February 2009, my husband of almost 2 years got a new job. We decided at that time that we needed a new home; one that was closer to his office and in both of our names. Before looking for a home, we talked with Mike about becoming prequalified for a loan so we could know what price range to search ““ we wound up being prequalified for more than we wanted to spend.
Within a week of working with a realtor, we found our dream home ““ but it was more than we wanted to spend. After the price dropped we negotiated a price within the budget we felt comfortable with. When we were within 2 weeks of closing, the bank/home seller walked away from the deal because the liens started rolling in. We were extremely disappointed, but were told the house was going to go through foreclosure and be put back on the market at a later date. Patience is not our virtue, but we had to learn to wait. On December 15, 2009, the house went back on the market and once again, the bank accepted our offer. We moved into the house on 01/30/2010 and have been happy with it ever since.
Six months after moving into our dream home, Mike told us of a great opportunity to reduce our interest rate by ¾% and pay very little fees for refinancing. We closed the deal on 09/24/2010 and are very excited about our low interest rate of 4.75% ““ which would have been unheard of a few years ago.
I have gone from almost losing my home to living in my dream home within a few years ““ all because Mike worked with me to help regain my financial stability.
One of the most unique things about working with Mike is that he keeps in touch with us, offering advice when we need it and keeping us abreast of any market changes. Because of this caring attitude, whenever we hear of anyone looking for a mortgage professional to either refinance or purchase a home, we tell everyone about the service Mike provided for us and will provide for them. He goes over and above to find the best rates and provide the best support during this process. Thank you, Mike!
Sincerely, Jerry and Gina”, Bonney Lake, WA