Originally from Long Island, NY, Joseph has spent most of his professional career in Denver, Colorado. With over 20 years of experience and leadership in collections management, he prides himself on helping customers understand the process for score improvements to receive the best possible rates. Superb negotiating skills, with an emphasis on customer satisfaction, he aims to close every loan expeditiously with minimal obstacles so borrowers can be stress-free. Joseph will provide complete transparency and understanding of the loan process ensuring customers are making their best financial decision. As a devoted father, he enjoys spending time sledding with his daughter during the snowy Colorado winter. In his spare time, he enjoys stock trading, traveling, bike riding, and is a huge sports fan.