Joel K Mortgage Loans N Roan St, Johnson City

Joel has worked hard helping us find our home, from start to finish. He made the process easy by explaining what documentation was required. He gave us recommendations that helped us secure a loan. He helped me better understand the loan process. He is very professional and I would highly recommend him and his team! Very satisfied and glad I chose this group!!

This is the 2nd time we've worked with Joel and his team. Joel was our immediate go-to when we first bought our house. He and his team did a phenomenal job of communicating, updating, and guiding us through the process of our mortgage. This time, we had the opportunity to refinance, thanks to the market, and it was no different! Same amazing customer service and level of communication that we came to expect. Joel and his team were honest about our rates, any/all fees, and what we needed to bring to the table. They made sure what we were doing was right for our budget and not above our means. If you want honesty and exceptional customer service, look no further!

Joel and his team are truly the MVP of loan offices. Each step of the way they guide you with patience and kindness. Joel knows all the ways to make sure his clients are taken care of and recieve the best loan for their situation. I would recommend to anyone and everyone!

If you are looking for a lender who will go to bat and fight for you, look no further than Joel! Our buying process had one hiccup after another (VA surprise stipulations and appraiser problems) Joel was there fighting for us every step of the way, making sure that we would be able to close on our dream home! Thanks for everything Joel!

Joel is amazing to work with. He keeps you informed, touches base to make sure everything is on track and is a positive influence on all interactions. He is intelligent, so very kind and has a great repertoire. Highly recommended him for anyone looking in the area!

Joel and his team are fantastic. They know their stuff and they truly want to help.

Being first time homebuyers, we were nervous about the process and didn’t know what to expect. Joel was extremely thorough and quick to respond to any questions we had regardless of the time, day or night. What a blessing it was to be able to work with him to help make this long time dream of ours a reality. We can’t thank him and his team enough for helping our family find our forever home!

Started off as a referral from my real estate agent. The initial intake was easy. But once I was dealing with them, it felt a lot more like a huge company as they started referring me to others in the office to deal with issues, only confusing things. I had specifically taken the time to send details of my VA Loan eligibility but they wasted time doing their automatic forms, only to get them denied, then tell me how things were held up by the VA. I then provided them the paperwork I had already told them I had, and they started moving forward again. Then at the end, I had very specific details about how to apply the funds. At the last minute they gave me an excuse AT closing about how they couldn't do as I asked (instead of communicating that to me before we were at closing) and just 'applied the funds' to 'buy down' my loan. In other words, they used the funds I expected to get back to help offset costs, and stuck it back in the loan and left me short on cash at the end. Then they immediately sold the loan off to a huge bureaucratic company that I'm stuck dealing with now as my 'servicer'. Do yourself a favor and avoid using them. If you want local service, find a local bank / credit union you know and trust. If you want big bureaucratic approach deal with mega banks. Joels Loans provided us the worst of both and I completely regret using them.

Joel was amazing to work with! He went above and beyond to help us get our home loan! We even closed a week ahead of schedule. Will definitely recommend him to anyone looking for a home!

Joel is super easy to communicate with and very patient with questions. I was encouraged to contact him at any time for whatever I needed. He virtually eliminated the stress from my home buying experience.