Joseph Proia

​Joe Proia worked with our realtor who recommended him, and he was great from the start for our first home purchase in Hilton, NY. Joe was responsive anytime we had questions, very helpful, and clear with his answers, making the home buying process easy to understand for first-time buyers. The experience was overwhelming at times, but he guided us every step of the way so we knew exactly what was happening. What really stood out about Joe was how personable he is and how quickly he responded. Even on Sunday mornings or at unexpected hours, he was available whenever we needed guidance. I would absolutely reach out to Joe again or recommend him to anyone searching for a reliable mortgage lender or first-time homebuyer loan specialist.

Working with Joe as our mortgage lender was great! He helped us secure a conventional loan for our new home and surprised us by lowering our interest rate a quarter point before closing without us even asking - that was pretty cool!  Joe is very knowledgeable about the mortgage process and explains things thoroughly, which is something I really value in a mortgage lender after some less-than-stellar experiences in the past. He was receptive to my questions and got back to me promptly when I needed mortgage information. One thing that really sets Joe apart from other mortgage lenders is a buy down program where they'll refinance your mortgage at no cost if interest rates drop in the next five years! Having bought homes in both New York and Florida, I know how different the home buying proc

A friend of mine used Joe as his mortgage lender when buying his home and referred him to me when I was looking for my first house. Honestly, the experience with him and his team was great. What really stood out was how he always offered alternatives. Joe didn’t just process the loan; he talked through different home financing options with me and explained which ones might make more sense based on my goals. For a first-time buyer, that level of guidance was a big deal. He kept me in the loop every step of the way and explained what we were doing and why. As a first-time home buyer, that kind of guidance from someone who really understands the mortgage process made a huge difference. What I really appreciated was how accessible Joe was. Whether it was a quick question or something urgent,

Joe is an incredible mortgage lender! As a Realtor, Joe first impressed our team by stepping in to save a deal that another mortgage lender wasn't handling thoroughly enough – getting the pre-approval done quickly and professionally. Since then, he's become our real estate office's go-to lender, assisting us across multiple transactions now. His responsiveness is outstanding – as soon as I ask him to contact a client, he's right on top of it. He takes time to thoroughly explain the mortgage process and keeps everyone well-informed through regular updates. His amazing team also helps create co-branded marketing materials for different mortgage loan programs, making it easy to collaborate and share on social media. We've recommended Joe to many clients, and even had him present at our real e

I've worked with Joe twice now as my mortgage lender, once three years ago when a friend introduced me to him after he'd done a mortgage for his coworker, and then again recently for an FHA refinance. Everything went through perfectly the first time, very smoothly, so when we decided to refinance again, I actually got a text message from him and reached out. That kind of follow-up and personal connection is exactly what you want from your mortgage lender. Joe and his assistant Samantha kept in contact throughout the entire process, clearly explaining each step and providing a strong sense of confidence from start to finish. I know the rates have been pretty high lately, so getting a decent rate compared to what they have been shows Joe's commitment to finding the best mortgage option avai