Joe’s fiduciary duty to his client is to consult, educate, review all eligible loan programs, describe the pros vs. cons, and then the client can make a well informed decision. Joe is also a certified construction financing expert and instructor for the Southern Utah Home Builders Association (SUBHA) a local chapter of the National Association of Home Builders (NAHB). His success is due in part to having a dedicated team that shares his goals to provide the best financial solution to his business partners and customers. Fairway Mortgage is a direct lender and servicer. There are no middle-man fee’s in which Joe can offer the lowest rates and fees in the industry along with local processing to bring you a fast n’ friendly lending experience.