Joe Spears is a professional Realtor, lender and financial educator who has spent the last 12 years guiding his clients through the home buying process and giving them a thorough assessment of their personal finances. With a firm background in customer service, Joe is a pleasure to work with as he ensures that his client’s needs come first at all times. He enjoys sharing his knowledge of responsible lending and financial education as it pertains to the benefits of homeownership. His roles in each field-lending and real estate- work hand-in-hand as he is very passionate about ensuring his clients find the perfect home with the right financing and knowledge.

 

Joe started his career in the financial services industry in 2006 as a mortgage loan officer. While working in the financial services industry, he gained experience in many facets of finance holding positions in mortgage loan origination, personal finance, credit counselling, credit repair and as consumer debt negotiator while he worked with Realtors, Financial Advisors, Accountants and Attorneys. These experiences he acquired working with reputable institutions such as Quicken Loans, Bank of America and Churchill Mortgage formed a firm basis for his venturing into real estate a few years later.

 

Joe brings unmatched value to clients. He does not only advise his clients to ensure that they make the right choices and get their dream properties but he also makes sure that he listens. As a Realtor he services the entire state of Arizona, dealing in both the selling and buying of properties.  As a lender he can service both Arizona and California.  In both facets he prides himself greatly on the feedback from his customers and ability to deliver an outstanding real estate or loan product that they fully understand. Over the years, he has led hundreds of families through financial coaching programs such as Dave Ramsey’s Financial Peace University.

 

So far in his niche, Joe keeps breaking records and setting new standards for other professionals to follow. With an expert like him, you have your lending, and real estate needs met without the hassles of finding different agents. This is what financial freedom looks and feels like, so do not hesitate to contact him as you get ready to make the most memorable purchase of your life.