SPOLOAN Mortgage Banking in Palo Alto is your trusted source for mortgage banking solutions. Our network of lenders, real estate agents and clients prove it:

Joel is the best lender I have ever worked with in all my years in real estate. He takes care of every detail, is extremely professional, and does things the way they are supposed to be done. My expectations are very high - and he exceeds them!"

Ginna Lazar, Oliver Properties, Christie's International Real Estate

"I always recommend Joel to every one of my clients and have been doing so for years. He is a great communicator, problem solver, and is an expert at getting the loans to close on time with the least amount of hassle. If Joel is doing the loan, I can count on my clients to be well counseled, in great hands, and fully updated during the process. I trust Joel like no other lender."

Gwen Luce, Coldwell Banker

"I have worked with Joel for many years, both for my clients’ and my own loans. If Joel can’t do a loan, it can’t be done. He recently did a loan for me that the underwriter said was the most complicated loan that she had ever seen. His responsiveness, integrity, creativity and just plain ‘smarts’; make him an invaluable part of my team."

Elaine Berlin White, Coldwell Banker

"Joel is the best mortgage professional I know and I always recommend him to my clients. He has helped me for many years and always solves the most complicated loan scenarios with creative and client-friendly solutions. He is the go-to guy for mortgages in our community."

Miles McCormick, Keller Williams Realty

"Joel is the reason we chose to become homeowners and we haven't looked back since. His clear expertise, patience, ability to guide us through the process, and, most importantly, his credibility with lenders were amazing. My husband and I consider ourselves extremely fortunate to have had an opportunity to work with someone as professional and knowledgeable as Joel. Plus, he’s a really cool guy that I was honored to have to my office and home throughout the process."

Gina Bianchini, recent client

"Joel was a lifesaver! I approached him after having approached multiple banks and mortgage brokers to refinance a mortgage. While the others made big promises initially, only Joel was able to actually secure a loan for me. I appreciated not only his expertise, but also his ability to explain every step in clear, easy to understand terms. He was patient, calm, and committed to getting the job done. I am deeply indebted to him and would recommend him to others in a heartbeat.

Pallavi Homan, recent client