Joe has an extensive knowledge of the home buying process having worked as a real estate agent, associate broker and operations manager before becoming a mortgage loan officer in 1986. He has worked for Fidelity Bond and Mortgage, Sun National Bank, and Beneficial Bank, among others, before joining Univest Bank and Trust Co. in 2016. Over the course of his career, Joe has originated mortgages in eight states. Currently, he provides mortgages and home equity lines and loans primarily in Pennsylvania and New Jersey.