Joseph Restivo helped us with financing a new mortgage and later with refinancing the same property. Both times it went flawlessly, all paperwork was prepared and submitted on time, and all the initial promises were kept. One important aspect was that Joseph had enough patience to explain all the details and illuminate all the nuances in the process with a great deal of patience and clarity. We also noticed how Joseph is constantly looking for new and creative way of modernizing his business practices. We surely wish him best of luck as a sensible entrepreneur and happily refer his services to our friends. Joseph