Mortgage broker for over 30 years. Offering Conventional, Jumbo, FHA, FHA 203 K, VA, USDA, Reverse and Commericial mortgages. Email address: joe@righttracfg.com 
Specialties Licensed to do mortgages in 8 states, CT, MA, RI, VT, NH, VT, NY and FL.  I will always protect the best interest of each and every borrower by qualifing them for a home and payment they can afford. I will make the commitment to assist each client through all credit issues, in order to improve their credit scores, which will always mean a better interest rate.   I have the belief, that anyone that wants to own a home, should be able to. No one works harder to accomplish this goal. I am not willing to focus on the problems, but rather the solutions. I will always be realistic with each client to make sure they don't over extend themselves. When refinancing is the goal, I will make sure it is in the clients best interest to do so. I spend a lot of time with the client, getting to know them, there needs and wants. It is my responsibility to make sure the client is offered the best possible mortgage.