"I have known Joe for many years and have done three mortgages with him. The third one, however, is pretty special! To see my brother-in-law who is special-needs and always wanted to own his own home get one. Joe gave us the advice of getting a credit card for him and a year later had a 760 credit score. This made it very easy to get him in a home with only Social Security as an income."
robert o'neill