“I Had $30,340 In Credit Card Debt…… You Were Able To Save Me $741.01”

I want to tell you how happy I am that you were able to save me $741.01 a month. My monthly payment with the mortgage was $2,770.00 a month and I had $30,340 in credit card debt. The last 4 years of my life have been very difficult and you have given me light at the end of the tunnel.

I usually throw out most of the mail I receive regarding loans,etc., for some reason I kept your mailing. I felt you were truly sincere regarding the needs of others and the service you provided me showed this every step of the way. I was very happy with the service you gave me through this entire transaction.

I would definitely recommend others to call you regarding their mortgage needs. Thank you, Thank you, Thank you. Have a very happy and healthy New Year.

Debra Couillou

Newton, New Jersey

“Joe, I’m happy that you saved me $839.03 dollars a month.”

Thank you Joe for getting me back on my feet. I was drowning in $31,693.00 in credit card debt. I didn’t know what to do. There was no way I was able to pay $1,127.00 a month to the credit card companies and also pay $1,856.00 to the mortgage and probably much more since I had an adjustable rate mortgage. I went to a debt consolidation company to get help and they told me to pay them $500.00 a month and they will get me debt free. So, I thought I was getting relief. I signed up with them but I was still not managing. I decided to call you, and when you told me that all my credit cards were past due. I was very surprised. I understood that the money I was sending in to them was going to my bills but I realize now I was wrong. I got more messed up then I was before.

I knew this was a difficult situation, but I 'm so happy that you were still able to help me. You gave me a new loan that has a fixed rate with a monthly payment of $2,143.97and paid off all my debt. Joe, I’m happy that you saved me $839.03 a month And most importantly i don't have this adjustable rate mortgage any more. I know I won't get into trouble again and I appreciate your help and honesty. It is important to know that I have someone I can trust in time of need.

Rafael Castillo - Englewood, NJ

"We were paying $7,055.18 for our mortgage and high-interest credit card debt, of $90,458. Even though we both work and make good money, there never seemed to be anything left at the end of the month. Following Joe’s plan, the Payment on our home mortgage and other debts were almost cut in half. All of our debts were paid off during the refinancing -- even the car loan-- and our total monthly payments to bills were reduced by $2,713.25. This gives us more than $32,559.00 a year in cash we didn't have to invest. We even got $29,410.66 in cash when we refinanced. Thanks to Joe, we're in a much better financial position."

William and Beth S.

Fair Lawn, New Jersey

"We don't have the words to thank Joe Gross for saving us $4,350.22 a month (which is $52,202.64 a year). He paid off all our credit card debt and gave us relief and peace of mind. We have done business with Joe for five years and he has always done the best for us. It's amazing how Joe always comes through (he is the magic man). We have never ever been surprised or disappointed. When Joe Gross tells us that we have a loan we know that we don't need to shop with anyone or worry about our loan. We consider Joe our partner and friend. We're going to use the $4,350.22 that we are saving every month to invest and build a nice financial portfolio. Keep up the good work”.

J and R Krutsick – Ocean City, New Jersey

"We are so happy that Joe was able to get us into this beautiful home. We know it wasn't easy. Joe had to get us "mortgage ready" because we had some credit issues but it worked out perfect. By the time the house was finished, we were in a much better situation. We can't believe that we actually got a much lower interest rate from what Joe quoted us originally. Joe, is an angel from heaven. There is no way we would have been in this house without him. We are so happy that we were able to close and he gave us 100% financing. We would recommend Joseph Gross to all the people we know and anyone else that is in need of a mortgage. Joe, was so calm during the whole process and that made us calm, knowing we would be able to get this house. Keep up the good work. We will spread the word that you are the only one!"

Jamal and Natasha Holloway

Willingboro, New Jersey

“We feel great that we are saving $1,400.70 a month.”

On May 1st 2007 my husband and I were swimming in debt. Our monthly mortgage and credit card payments were $2,683.93. We were struggling and were very overwhelmed. We knew that our only way out was to refinance our home. Immediately we began searching the internet for the best deal. Instantly our telephone and e-mail accounts were flooded with mortgage representatives assuring us that they were the best company for us to refinance with. We were offered no closing costs and quick closings. We could not believe our fortune and then we selected a mortgage company that cost us 2.5 months of time, headaches and money. You would think that after all that time and numerous headaches we ended up using that company, but you would be wrong.

We finally had realized the mistake we made and decided to call Joseph Gross from Qualified Mortgage who had helped us twice before. We explained our situation and asked Joe to see what he could do to get us out of this misery. He is an honorable person who runs a reputable company that keeps their promises. He never failed us and never mislead us. He always returned our calls and kept us informed as to what was going on at all times. On top of all of this, he was able to give us an interest rate of almost 2% lower than he originally quoted us and our payment is now $1,283.23 he saved us $1,400.70 a month and we closed in 9 short days. Why didn’t we go to Joe Gross First?!!! Now we would never go to any other person! Qualified Mortgage is the only mortgage company for us. Thank you Joe for giving us back our peace of mind.

Ekron and Yvette Williams - Long Branch, New Jersey

“I was up to 13.5 percent interest rate on my mortgage and my mortgage payment was $2,327.00. In addition I was spending $322.00 a month in credit card bills which my total monthly obligations were $2,649.00. I was in a situation where there was nothing I could do. I had an Adjustable Rate Mortgage that just kept going up and up and had credit card bills that I was never able to get rid of. Until I met Joe, I was lost. Joe was able to give me a 7% interest rate on my new mortgage and pay off my credit card bills and give me a payment of $1,699.83 which saved me $949.17 and most important it was a Fixed Mortgage. This is so wonderful, it gave me a lift, it helped my health and most importantly it saved my house – before I went into foreclosure.

Joe helped me learn how to pay my bills and maintain myself with a fixed mortgage like this. I can see my way now and I really appreciate it. I wish so many other people can get help from Joe. I watch the news all the time, and I just feel so fortunate to know that I was fortunate enough to be able to have the assistance that I had from Joe. I just can’t say it enough. I have so many nights now that I can sleep and feel a little more content with my fixed rate and I’m going to stick with Joe in the future. But so far, with his help, I know I’ll be able to survive. I really, really wish Joe could help so many other people. I’m going to tell my mother, my aunt, and my sister. I have a large family. I’m glad I’m able to refer them so they can get the help that I received. Joe, I thank you so much and I hope whoever’s reading this, they too can get the assistance and help they need through the same support that I received. Again, Joe I thank you and I appreciate you. Thank you so much for putting my life back together.

Brynda Carter - Miami Gardens, Florida

I took out an adjustable rate mortgage in April 2005 and my payment was $2,103.81. It was a 2-yr adjustable which expired in May 2007 and my payment increased to $2,701.00. I was very frustrated because it was difficult enough for me to make the mortgage payment for the past two years and by increasing the payment with another $597.19 it was impossible to make. In addition, I also had a credit card payment of $353.00, so my total monthly obligations were $3,054.00, I couldn’t afford it. Since I’ve done business with Joe for over 4 years, I decided to contact him to see what he could do. He gave me a free consultation and there were a few challenges that I had to overcome. My credit had suffered due to some outstanding credit card bills and Joe had advised me that before I’m able to get out of the mortgage I have now, I have to get my credit better because I had a credit score of 517 and I needed to be at a 620 to qualify for the loan.

Joe came up with a game plan of how to achieve that and miraculously within 30 days, my credit score went up to a 622. We had everything ready to go, but there was one more hurdle we had to overcome. The loan was approved and ready to close, but the bank had decided to change their guidelines and because of that, they denied the loan. I got scared and depressed because I was afraid that I was going to lose my house I’ve worked so hard to buy and possibly live on the street, which I never, ever dreamed of in my life. It took 4 days for Joe to fight and use his expertise and his relationship to be able to get my loan to close. I know there is not anyone out there that would be able to achieve and accomplish this for me. And I appreciate all that Joe put in to make this happen. If there is anyone out there that is in a situation where you don’t know what to do and you don’t have who to go to, don’t hesitate to call Joe, because he will get it done. Now I have myself a $692.02 savings per month, And of course, my credit cards are all paid up.

Yuval Graneviz – Teaneck, New Jersey

We had been trying to get a loan for a few months because we knew our adjustable rate was going to expire and our payment was going up by $500.95. We also had $856.00 in credit card payments that was choking us and destroying our lives. No one was able to help us. We kept getting the answer, “I’m sorry but there is nothing we can do for you”. One of us was not able to work due to a health issue. Now imagine how we felt; we were drowning in bills and our mortgage payment was going up, nobody wanted to help us, what were we supposed to do? We were hoping and praying that a miracle would happen, and guess what. On July 30, 2007 we opened our mailbox and a letter just like this was there. We immediately read it and picked up the phone and called Joe. Within a half hour of talking to Joe we knew that we were going to be saved. He made us feel comfortable and assured us that we were going to be able to get rid of all of our financial troubles and get out of the Adjustable Rate Mortgage that we are currently in. He was able to give us a 30 year fixed mortgage and save us $597.63 a month. It only took us 17 days to get out of this misery. Joe was also able to escrow our taxes and insurance and of course pay off our outstanding taxes of $9,042.41 which we owed because the bank did not escrow for us. We will recommend you to whoever we know because it’s been the greatest experience that we ever had doing a mortgage. Keep up the good work. You are the best!

Kim & Richard VanNortwick - Clifton, New Jersey

“We would lose our home with the increase of $804.81”

We were very nervous about this mortgage market because we had an Adjustable Rate Mortgage that was going to expire in a few months and our payment would go up by $804.81 a month. We were worried what will happen with the house that we have worked so hard to maintain all those years. We had worked with Joe before and we got his thanksgiving card in the mail so we decided to call him and discuss our concern. We spoke to Joe and he assured us that he would be able to help us secure a fixed loan so we don't have to stress that the payment will go up and we won’t lose our house.

Joe had some challenges in regards to the credit but as always he came through for us. We were able to secure a payment of $3209.77 which will let us live comfortably. We also are locked in for 40 yrs and we have no more worries that we will lose our house.

We also have to thank Joe for the extra help working out the issues we had after the loan closed with our previous lender in regards to the escrow account. Joe it was a pleasure working with you and we will recommend you to our friends.

Barbara and John McNamara

Lake Grove, NY

"We are very happy that we were able to save $1,886.00 a month and feel like we got a raise"

Joe we know that we had made the mistake of charging up over $71,245.00 in credit cards and a monthly payment of $2,419.00 just in credit cards. We also know that when we took out a $45,000 equity line to get some help. We thought it was a good idea at the time but it turns out that was another mistake we made. What we didn’t know was that there was a solution to our problem and we didn't know how to get out of debt the right way.

We are very fortunate that we contacted you and spoke to you. You have given us our life and peace of mind back. Yes, we were lost. We didn't know if we were ever able to rectify what we have gotten ourselves into. But it all made sense when you gave us our new mortgage and you saved us $1886.00 a month.

We feel relieved and this is what we needed to do to enjoy life again. We know how dangerous credit cards are and they offer it so easily and it’s very tempting to apply for and use it. Our advice to everyone is "don't fall into the credit card trap, because it will ruin you". We are very happy that we were able to do this and feel like we got a raise in salary without even going to the boss to ask for one.

Joe it’s our pleasure to help you in any way and we will spread the word that even in this mortgage collapse, help is available. We are cutting up our credit cards and will not use them again.

Thanks for all your effort and hard work.

Richard and Michele L

New Jersey

“We had $30,782.00 in credit card bills - - Joe saved us $358.00 a month”

In the past few months we have been listening to the news and reading in the paper about this mortgage collapse and we were very worried. We were thinking, are we going to become a victim of this mortgage mess. We knew that we had gotten in trouble with the credit card bills, we had $30,782.00 in bills and our monthly mortgage & credit card payments were $2,882.00 and the only way we could try to get out of it was by doing something and not just hoping that it would all of a sudden disappear.

We carefully reviewed our mail every day and finally received a letter that totally changed our lives. Joe had sent us a letter in the mail but it was totally different from anything we had received before. We read it and we said to each other it looks like we finally have someone that can help us and someone we can trust that will give us the help we need so desperately.

We called Joe and from the first phone call we felt very comfortable and secure. He gave us a full detailed explanation of everything we needed to know. He told us exactly what our options were and he made us see the light at the end of the tunnel.

He was able to pay off all our debt. He gave us a new monthly payment of $2,524.00 and saved us $358.00 a month and we know it wasn't easy and it even worked out much better then we anticipated from the start. We know this was something we were able to do because he has the experience and the knowledge and we will enjoy this $358.00 savings every month for the rest of our lives. Thank you Joe for giving us this opportunity.

Thomas and Lynn Nugent – Wallingford, CT

“I had $48,505.00 in extra bills - - Joe saved me $788.00 a month”

I knew that I had gotten in trouble with the bills, I had $48,505.00 in bills and my monthly mortgage & credit card payments were $2,368.00 and the only way I could try to get out of it was by doing something and not just hoping that it would all of a sudden disappear. In the past year I had my home on the market, but by the end of May, it was not sold. I have done business with Joe in the past and receive all sorts of information from him via mail, email and phone calls regarding what is going on with the market today. I finally decided to get a hold of Joe after I got a phone broadcast and inquire about the FREE financial analysis he was offering.

Joe started working right away on consolidating my debt. He made me realize that I was paying a few high monthly payments on some bills and it was starting to get too expensive. I was initially doubtful that I would ever be able to get out of this debt, but I trusted Joe and knew he would do whatever it took to make this happen. He was able to pay off all my debt. He gave me a new monthly payment of $1,580.00 and saved me $788.00 a month and I was still able to keep the low interest rate I already had. The process wasn't easy but worked out much better then I anticipated from the start.

My advice to everyone is to get your FREE financial analysis with Joe before you make a decision on your home that might cost you thousands of dollars. Joe, thank you for helping me make the right decision.

Denise McCracken – Pittsgrove Township, NJ

“Joe saved me $1,320.00 a month”

I was in trouble. I owed $69,135.00 in credit card debt. I was not able to make the payments on time. Many other lenders I spoke to were not willing to help me. I kept thinking I would have to sell my house to pay the bills and start over. I had my home for over 30 years and didn’t want to lose it. My situation really seemed hopeless until I contacted Joe. He mapped out everything that needed to be done in order for me to get out of this debt. It was easy to speak with Joe and the whole experience was hassle free. After analyzing my finances, Joe was able to save me $1,320.00 a month.

I have my peace of mind back and actually enjoy life again.

Veronica Brooks – Springfield Gardens, New York

“Joe saved me $423 a month, I feel like I just got a raise”

I was paying $1,970 for the mortgage and $884, approximately for the credit cards per month. My total monthly payment of $2,854 was impossible to make. Joe had helped me in the past, but I was embarrassed to call him with my troubles. So, I tried to go with another company, but the proposal that I got was not satisfying to me. I would rather have stayed with what I had and struggle, then go through with it and not be satisfied.

I finally called Joe, and he was able to help me payoff my credit card debt of $28,227, and my outstanding taxes and insurance. I also didn’t have to start paying the mortgage until two months after the closing which saved me about $4,862, plus got some extra cash at the closing. My new mortgage payment is $2,431 and that equals to a savings of $423 a month.

I had sleepless nights before I went to Joe for help. But, I was able to get back on the right track with Joe’s help. I now have financial freedom. My advice to everyone is, whatever the problem, face up to it and do not be embarrassed. I believed in Joe and he did not let me down. Thank you very, very much.

Vernie Anglin – Brooklyn, New York