Joe Harris helped my husband and me purchase our home in 2007 and we were incredibly impressed by him. As the interest rates started going down, we decided to refinance in 2012. We contacted Joe to get this done. Joe made this whole process extremely easy and stress-free. Joe is a complete professional and his communication skills are second to none. Joe is responsive, but also pro-active. (If you have seen any of his videos about the mortgage business, you know what I mean about communication). Ultimately, Joe got us a really low interest rate!! I have recommended him to my friends and they have all had similar experiences. If you are buying a house or thinking about taking advantage of low interest rates -- CALL JOE FIRST, you probably won't have to make any more phone calls! read more

I have been in business since 2005 as a top producing realtor and highly recommend Joe Harris for your mortgage needs. I even used him to do my loan. Joe Harris and his team made the process very easy. He always called every Friday to let me know how my loan was progressing. If you have a question he responds quickly. Joe Harris has been doing this for many years so his experience and knowledge about loans is impressive. As a Real Estate Broker I recommend Joe Harris to my clients. If Joe Harris is working the loan I know that the buyer will close on time with the least amount of stress and problems. If you are looking for the best use Joe Harris. read more

I could not have been happier with my experience with Joe and his team. His highly organized approach to the mortgage approval process made it easy for my wife and me to gather all of the necessary documents for our loan application. After reviewing our file he gave us a road map of steps we needed to take in order to qualify for our home. Once again working with him and his team made the process of following the road map clear and simple. With Joe's guidance we were able to obtain a loan with a great interest rate and close on a beautiful home for our family. I recommended him to everyone I know who is in the market to purchase a home. read more

When shopping for a lender, Morgan Financial separated themselves from the pack. They offered me the best rate and the best service. I especially liked how Joe Couturier wouldn't rest until he'd won my business. I even got a call from the proprietor, David Morgan, offering me the stellar rate. Throughout the whole process, they were in constant contact and on top of all of the paperwork. Their goal was to ensure closing went smoothly and there was no 'sticker shock' of what I would need to bring (cash) to close. Their goal was met. I would highly recommend these guys to anyone looking for financing for their home. read more

Got a loan from Morgan Financial. Was told one number for monthly payment then received another for way more. They assured me that it was affordable and the best deal. Now we are in short sale and the bank they financed me under is a joke. Losing paper work and unstable. Morgan Financial deals with banks that offer them the best return even if they sacrifice customer experience. The closing process was so horrible that they did not know which forms to fill out and missed filling out some forms during closing. I would never get a mortgage hear again. read more

My wife have used Morgan Financial services for our mortgages since 2008. David and his team have gone out of their way to insure smooth mortgage support for us, both in puchasing homes, and in refinancing our homes. Joe Couturier has led the Morgan team in delivering the paperwork, working through the issues, and achieving favorable rates for our homes each and every time. We highly recommend Morgan Financial, David Morgan's team, and Joe Couturier especially, for your financial and mortgage needs. read more

I am a realtor and after 40 days, the buyer of my client's home was denied their mortgage from another lender. It was highly recommended they try Morgan Financial and WITHIN 10 DAYS their mortgage was approved and we had a successful closing. Happy Buyers, Happy Sellers, Happy Realtors!! Mogan Financial handled this "11th hour" situation with personal and profesional attention and expertise. Woohoo!! Paula Warwick/ Realtor/ Ellingson Properties, 321-543-0641 read more

Joe Harris at Morgan Financial helped my wife and I purchase our first home this year and he was a pleasure to work with. Joe did a great job of keeping us informed throughout the process and always did as he said he would. I would definitely recommend using Joe for any mortgage needs and have referred him to friends and family because I know I can trust that they are in good hands. Very professional, knowledgeable and honest. read more

Joe Harris from Morgan Financial help me with the purchase of my home in Indian Harbour Beach. He was very knowledgable about mortgages and helped guide me thorough the loan process from start to finish. Whenever I had a question he was available for my calls and very quick to find an answer. I would emphatically recommend Joe Harris to my friends and family. read more

Joe Harris assisted me with the refinancing of my personal residence this year and I am very satisfied about the service and professionalism throughout the entire process. I would highly recommend Joe Harris and Morgan Financial if you are considering buying or refinancing your home. read more

We were directed to this office by our realtor and have no regrets at all. Joe Harris handled our loan and gave us great updates, and presented every angle of our loan. I highly recommend him. read more

David Morgan and his staff of top notch professionals are a pleasure to deal with. I just did a VA ReFi with Joe Couturier, smooth as silk. This is my 3rd venture with Morgan read more