Joe is an exceptionally proficient and professional individual. He has the rare capacity to give every one of his clients the time as if they are his only client.
Prompt, patient, honorable, trustworthy, knowledgeable, well connected, meticulous and friendly are just a few of the way I would describe him.
We have purchased many many properties and used half a dozen lenders over the past 8 years and Joe will be my go-to in the future.
Thank you Joe for your commitment to your work and your community.
Joe Paoly was great to work with. He made purchasing a home easy and enjoyable. Always answered all of our questions in a way we understood. Thank you Joe!
Joe was extremely professional, so helpful and there to answer all my questions from start to finish. He even replied to me on the weekends. I’m glad I followed my gut and selected him as our agent!! Anyone who gets a chance to work with him will be in good hands!!!
I found Joe Paoly and Cap West through my homes for sale search on Zillow. I responded to a prompt to compare rates and terms, and shortly thereafter Joe called me. To be honest, I was a bit apprehensive at first, and wanted to check to see what my local bank could offer. After securing that information, and a pre-approval, I then contacted Joe to see what terms he and Cap West would offer.
That began a series of conversations and communications that made it clear Joe could not only offer better terms than my bank, but also his willingness—indeed, his eagerness—to fully explain all aspects of the mortgage loan application process and alternative strategies I might want to pursue. That approach was very appreciated, and won me over, and over the next few weeks I worked closely with him in the loan approval process and successfully completed the process earlier this week at the closing on my new home.
In all my many interactions with him, Joe Paoly was always the consummate professional. He was diligent, thorough, a straight-shooter, and was always willing to spend extra time with me explaining the process in which we had embarked. I can honestly say that I always felt that Joe had my best interests at heart. And the more he learned about me, the more he used that information to suggest approaches and strategies that I found advantageous. I have had two friends who recently secured new mortgages through other lenders. Their experiences were less than optimal, and included much frustration working with their mortgage loan officers. Based on their experiences, I realize I have been truly blessed in having Joe Paoly and Cap West as my lender.
In closing, I recommend Joe Paoly enthusiastically and without any reservation to anyone searching for a home loan. I am confident that my experiences working with him were not unusual, and that he would perform in a similar manner with anyone else who works with him. This was the fourth home I have purchased in my lifetime, and I can unequivocally state that Joe Paoly made the process as painless and as positive as any I have experienced. I really came to enjoy working with Joe at a personal level. My only challenge now is to find excuses to contact him so that I can maintain the relationship we built over the past two months.
Joe was incredible to work with. He was on top of all the thing I needed an he kept me informed on all aspects of the loan process. I will definitely look up Joe on any other home purchases i may make in the future.
Joe Paoly was the reason I continued with my purchase of my new home. I was hesitant and nervous and he was so personable and on top of his game that he made this process worth it all. I highly recommend him to all home buyers.
I worked with Joe Paoly... he was friendly, courteous, and very supportive through whole process. He was on top of everything and communicated with me often. He explained everything and often asked if I had questions... told me to call any time about anything I needed to know about the process. Even when I was stressed, he was as a calming presence. I enjoyed working with Joe. He would send me video messages and it was like getting to see him in person. He seems to enjoy his job and sincerely wants to help you through the buying/financing process. He was such a big help and I appreciated all the effort he put in to help me finance my new home! I enjoyed meeting and working with Joe. I highly recommend him. He’s good at what he does!!
I worked with Joe Paoly of City Bank Mortgage on my purchase of a new home in another state. Joe and his lending team at City Bank went above and beyond to ensure we were ready to close within 30 days. Unfortunately the hurricane disaster declaration shut down all real estate closings and home insurance transactions. Joe called me as soon as the hurricane was predicted and reviewed what to expect in case of a disaster declaration. As a result I felt prepared to request a reinspection immediately after the storm passed. Although the home itself was undamaged, a blown transformer in the air conditioner system was discovered and repaired promptly by seller.
The closing was delayed about 10 days, which allowed for the bank reappraisal, a post disaster certification, my reinspection, and most importantly, assurance that I was purchasing a home in as good or better condition than when initially contracted.
Joe did a wonderful job keeping me and my realty team in the loop at each step of the way.
As a recently retired self employed professional, providing financial records could have become complicated. However, City Bank was able to simplify the financial disclosures necessary to qualify for the loan I was seeking. From the first phone conversation and preapproval, Joe's dedication kept the lending process moving smoothly.
I recommend Joe Paoly without reservation.
It was a pleasure to work with Mr. Paoly from beginning to end. He was courteous, kind, professional, a fast worker. He worked hard to get all information required to ensure a smooth closing. He is very patient and a people person (his customer skill is excellent). The team at city Bank did a wonderful job assisting with this process.
1st, he always addressed my wife and myself as Mr./Mrs.
When i forgot to sign the documents electrobically, he called and walked me through what needed to be done.
The seller objected to the wire transfer fir payment. Joe called the seller on our behalf and explained how it would work and explained a receipt of transfer would be provided. The day of close he called and emailed us and the seller to keep us updated on the transfer process.
When needing another mortgage, i will be calling Joe Paoly, and i will keep his number in my phobe to provide to anyone that is looking for a mortgage provider.
This was a sell by owner with no realtor involved.