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Loan Officer Joe Sapena

I love making new friends.
I have been working with people most of my life, and that is my favorite part of being a loan officer.

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I believe in open communication.
I love getting to know my clients and the personal interaction involved in finding the right loan for someone. I enjoy making house calls to returning clients and catching up on their lives. It is exciting to pull up in front of the home of a new client and anticipate getting to know them.

I have lived in the Bay Area all of my life, and have seen both huge changes and small ones in every aspect of life in California over the years. While communication methods are constantly changing, I find that the way to actually communicate successfully with people stays the same: I listen. Then I explain how I can help. It’s a simple, old-fashioned formula, but that’s all right with me.

Mission Statement:
There are a lot of new loan officers out there just getting a start in this business, but I have been making loans for a long time. I am proud of the large number of clients I have helped to finance their dreams, and those that I helped to get out of debt. I have a wealth of experience, both at living and at finding the right home loan for each client, and I can’t wait to share it with you.

Loan analysis is free
I´ll present you with your free credit report and find out your real home value. Let me show you what we have to offer; you will not be disappointed.

Sierra Western Home Loans‚ Inc.

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