It's hard to put into words how much Joey Ciaglia, Nick Paggi, and their team at Note Mortgage…read moremeant to us during this whole process. What they did for our family went far beyond just doing their jobs, they truly showed up for us in a moment when we felt absolutely lost and scared.
Before we found Joey, we were working with another lender who completely let us down. They stopped communicating, kept telling us "everything looks great," and made us believe we were on track. Meanwhile, we were actually nowhere near getting approved. We were still stuck in pre-approval and underwriting two weeks before closing, and the loan broker couldn't tell us anything. He kept blaming the underwriter, and we were left in the dark. We honestly felt hopeless, like we were about to lose our earnest money and the home we had fallen in love with.
Our Realtor, Kiven Dults, recommended JoeyCiaglia and told us, "If anyone can help, Joeycan." I don't think we realized at that moment just how true that would be.
The second we spoke to Joey, everything felt different. He was calm, confident, and you could just tell he knew exactly what he was doing. With less than two weeks to close, Joeyand Nick and their whole team jumped in with everything they had. They worked around the clock, even on the weekend, and I could feel how hard they were fighting for us.
What meant the most wasn't just the work they did (which was honestly incredible), but the way they treated us through it all. Joey always answered our calls. He never made us feel like we were asking too many questions or bothering him. He talked us through our fears, explained things over and over when we didn't understand, and he always made us feel like our family mattered.
Joey and Nick didn't just guide us, they genuinely cared about us. And that's something I'll never ever forget!
Even when we started to believe we might lose the house, they never lost faith. They showed so much determination and heart that it kept us going when we didn't have much hope left.
I can't express how grateful I am for Joey, Nick, and their team. We truly feel blessed that our paths crossed. They didn't just help us buy a house, they helped us keep a dream we thought was slipping away.
If you want a team who treats you like family, who actually cares, who is there for you, and who will fight for you every step of the way... Joey Ciaglia, Nick Paggi and their incredible team at Note Mortgage are the ones you want helping you through one of the most important purchases of your life.