Though born in Baltimore, Maryland, Joe considers himself a “Naturalized” Texan. When he was only two years old, his family moved to Texas. After graduating from The University of Texas at Austin, he served five years as an officer in the U.S. Navy. His primary duty was to manage a clinic in the hospital at the Naval Air Station-Memphis. Upon moving back to Texas, Joe began a career in real estate, selling new homes for one of the largest builders in Austin. After eight years in new home sales and as a real estate broker, he decided to pursue the mortgage side of the business. Today, with more than 3 decades of experience in mortgage lending, Joe has a reputation for finding the best solution for financing residential and investment properties. He has been awarded the Five Star Mortgage Professional designation for 13 years. Joe has a diverse range of interests including travel, college sporting events, astronomy, and live music. He has two sons: Damon, founder of Nomad Sound in Austin and Denver, and Raymond, who is a physician at Capital ENT in Austin. Joe and his wife B.J. enjoy their role as “Opa” and “Oma” to grandsons Jack and Leland and granddaughter Emily.