Joe Schwartz from Axiom Lending was first introduced to me by my brother, who also went through Joe for a refinance on his house. Since I've met Joe, he has helped us refinance multiple times. Initially, he helped my parents take out a loan on their home so that we could apply that loan onto my principal, which allowed us to avoid paying my own PMI. The process was arduous, but Joe was super knowledgeable about the entire process, from rates to timelines, and got us great rates for both loans. Joe very meticulously explains the entire process to his clients. I was completely comfortable with the entire process, and decided to go with Joe again when our refinance needs came up again, even though we are in the SF Bay Area and he is far away. He is very honest and knowledgeable, and would let you know the best rate he can get, which is usually the best rates around! He also offers you the different options available, and can very clearly explain anything that you don't understand so that a person who doesn't know much about refinancing like myself can understand! I strongly recommend Joe at Axiom Financial for all of your home refinance needs! read more