American Property Financial Inc

After having been demoralized by other lenders, we approached Joe explaining we didn't think we were going to be able to buy, but only contacting him to check with many lenders at once instead of being turned down one by one.  He reassured us that things probably weren't as bad as all that.  After helping us fill out the application and running our credit, he told us he didn't understand what the other lenders were talking about.  He said our credit and our income qualified us for considerably more house and considerably less interest than we had been told.  In addition, he told us about the Texas Veterans Land Board loan program for which we qualified.  Because of my disabled status, we were eligible for an even smaller interest rate.  He held our hands through the whole process, answering questions and explaining procedures every step of the way.  He was so great, I was considering going into the business for a minute there!  Anytime we hear of someone thinking of buying or refinancing, we steer them to Joe.