Realty Group Mortgage, LLC Montgomery Village Ave, Gaithersburg

I'm a REALTOR. and Joe has been my #1 choice for a lender both for my clients and for me personally. He's helpful, caring, patient and honest. He knows the mortgage business inside and out and how to help his clients find the best rate and terms. He is one of the top loan officers in the area, but you always feel like you are his only client. I can't recommend Joe more highly.

We worked with Joe to refinance our mortgage and it was honestly one of the best service experiences I have had. Joe is the best in the field, and I wish that I had known him the very first time I purchased a home. He is patient, takes time to explain the best options available , counsels you through your decision making process and works timeously to ensure that you get the best deal possible. He is very responsive and his turn around time is most impressive. Getting a loan can be very nerve-racking; nothing beats the experience of having a loan officer who is knowledgeable, committed and an excellent communicator to give you confidence that you are moving in the right direction. Thank you Joe for your fantastic work!

I had a fantastic experience with Joe! When my bank said they couldn't meet the closing date for the home I bought, Joe managed to secure a loan for me within a week and he even met my closing date. He was incredibly responsive and professional along the way. I cannot recommend him highly enough.

Joe is definitely a top notch loan officer. He has helped many of my clients over the past 20 years and all of them have been pleased with his professionalism, responsiveness and knowledge of loan products. His extensive experience enables him to match the best loan for his clients while offering competitive interest rates. I can always count on Joe to help deliver a smooth and successful home buying experience for my clients.

If you're in the market to buy your first home- or it's your next one, the first thing you need to do is talk to Joe. Knowing what you can afford and what loan options are available to you will pave the way for a smoother home buying experience. Joe has in-house underwriting so he has full access to the decision makers plus his rates are amazing! As a Realtor, I depend on loan officers like Joe to educate and take care of my clients needs. Definitely give him a call today!

It was truly great working with Joe Salisbury and Realty Group Mortgage. In each interaction, Joe took the time to explain the mortgage process and made us feel like his top priority. He found us a great mortgage rate and was patient and personable throughout it all. Thanks, Joe!

Amazingly responsive and incredibly helpful. Answers any questions I have. He has done 2 personal mortgage loans for me and two personal refinances for me. He has also helped multiple friends and family with both mortgage loans and refinancing. I have fired other loan officers and gone to Joe and it was well worth the switch. I will never use anyone else. Best loan officer out there.

I have done quite a bit of business with Joe Salisbury throughout my time in the real estate business. He is efficient and professional whenever he has dealt with any of my clients and their mortgage needs. Always on top of things to ensure that closings happen on time and with as few speed bumps as possible. I would recommend Joe to anyone that is thinking of pursuing a new mortgage or a refinance of an existing mortgage.

JOE SALISBURY - Periodically companies that reports a debtor's payment history make mistakes or sometimes people have large amounts of debt that directly effect their credit scores. When a loan officer pulls a credit report it is easy for them to quickly evaluate it and make recommendations on which debts to pay off and how to repair reporting errors. The term used is a "Rapid Rescore". It takes hours or days for the rescore if the Loan Officer does it but months if a person does it on their own. Joe Salisbury could have helped me repair two reporting errors but he refused to and I subsequently lost the opportunity to flip a house and earn over $100,000 in income. During the second call with Joe, I told him I was planning to flip the property. He lied to me and said that banks require the loan officer to charge an additional point of the borrower is not holding the property for a year or more. That would amount to a prepaid, prepayment penalty which is illegal and discriminatory. Lenders, by law are not allowed to discriminate for any reason nor charge a prepayment penalty of any kind. For nearly a decade I was a licensed Loan Officer and know what I am talking about. Joe Salisbury may have some five star reviews but I found him to be arrogant, dishonest and difficult to work with. I am writing this online review to point out to others so they check the facts when applying for a loan with Joe.

I've worked with Joe on numerous refinances and he always done a great job. He is responsive, efficient, and made the process easy and painless. Joe has always gotten me great rates and worked with me to cut costs. I recommend him highly.