Customer Reviews

See What Our Customers Are Saying

Thank you, Joe, for your time, knowledge, and your patience.
Christa L
Joe Giffoni and his team at HMS Capital were professional and informative from start to finish for my refinance. The process was super quick and super easy. I would definitely recommend Joe and HMS to anyone who is looking to refinance their property Lou
Luis H
He took care of my needs from start to finish.
Gabriel D
Joe was always available to answer questions and very knowledgeable regarding rates and the procedure.
Mark K
From the very beginning Joe made the process super simple. The few hiccups that we encountered were quickly handled. We thank Joe and his team for making our refinance happen in a very timely manner. We would definitely refer Joe Giffoni and his team to anyone looking to refinance.
Tim K
We struggled with schedule for closing. The loan officer was new and mismanaged the closing with lack of communication and reliance on vague emails. Very frustrating. But Joe stepped in and pulled it all together. Rescued the schedule and made it all happen. Without his involvement it would have been a train wreck. So, thanks to Joe.
Robert V
everything about the experience was a step beyond
John C
Joe was great from the start, made honest offer and didn't require a 500 dollar deposit to start loan. Best the other company's offer at the start and even though we changed our mind 3 times He worked with us with great attitude no issues redoing the loan. Delivered as promised. Great job from all involved.
Gregory L
Courteous and professional.
Patrick K
There were several areas that made this an exceptional experience. There was the coordination of information followed by action that needed attention once the information was provided. There was the timely processing that was consistently being provided, and finally the information being provided to the consumer to keep me in the loop was relevant to my satisfaction. All in all, I believe my rating was certainly justified.
Walsh Y
joe was consistently available to discuss the proceedings of the refi. - even as the process evolved to departments and personnel beyond his immediate and daily charge. Kind, personable and informative - the refinance was an efficient and amicable experience.
Craig S
Great service: prompt response to either email or messages from Joe Lorraine.
Rajesh P
Very smooth.
Daniel M
Joseph was there throughout the way.
Jim H
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