"In October of 2012 I purchased a home – a very big step for me as a recent widow. Joanne went above and beyond with her advice and commitment to get me the best interest rate available. I could call her or email her day or night and she would always respond promptly. I would ( and have) recommend her to my friends, family and associates. Joanne is very efficient, professional and a sincere pleasure to work with."

–Gail, Albany