Warwick, RI

"Joseph Cecio & Vu Njuyen are the best team we have ever worked with in either purchasing, selling, or refinancing a home. Joe handled all the "numbers" & Vu worked with obtaining all the "documents" necessary for the refinance. They continually stayed in contact with us, either by Text or phone call. Very professional in every conversation we had during the loan process. From the first phone call to Joe, the process was completed in four weeks. They both worked very hard in getting the loan completed & closed. They were very open & honest with all the details they gave to us. And, we were the same with them. Anytime that I had a question, Joe or Vu were always available to answer my Emails or phone calls. They were there to help us thru the entire process & they always made us feel we were their only client. Never in a hurry to finish a conversation & they were never demanding in their requests for information. They were there to get this loan closed as quickly as possible. The refinance went very smooth, without any problems with closing the loan.. We were able to obtain cash out to pay off several remaining Credit Cards, which was wonderful! We can say that within a week of 2026, we were debt free. A very awesome feeling. If you ever need a great team that are professional, courteous, & make you feel like you are their only client, give them a call. They will be honest & up front with you in every aspect of the process. They will work as hard as they can to make it happen! Great job Joe & Vu. Look forward to working with you again. Stephen & Cookie Lowe Tyler, TX"

"Joe helped me all the way to be able to pay a super high interest HELOC I had with another bank ! Joe found a better interest that would help me to save tons on money!"