Meet Joe

I really enjoy helping clients find the right fit for their mortgage needs. Buying your dream home is a significant event and helping you make the right choice for your mortgage is important to me.

How I Work

You can expect professional service and dependable communication every step of the way. I will educate you on the available programs and help you understand your options so you can make the right decision for you and your family.

The mortgage process can be a little intimidating. I am committed to ensuring a smooth process from start through close.

There's nothing more important than providing good customer service-- we received that and more from Mr. Zemien. I will definitely not hesitate to recommend him to anyone that has mortgage needs. He was a pleasure to work with and completely professional in every way. He is absolutely to be commended.
Jerry & Tina Tanner
Super Mortgage Professionals 2013
Super Mortgage Professionals 2014
Super Mortgage Professionals 2015
Super Mortgage Professionals 2016
super mortgage professional 2017
2018 super mortgage professional
SMP 2019