What our clients are saying about us!


Thomas M.

Joe stayed on top of everything. We had a complicated situation, thanks to Joe it was the most pleasant closing I ever experienced.

Damian A.

Very knowledgeable and attentive. I would recommend to anyone.

Marilyn N.

Cannot say enough good things about our experience with Joe and capital mortgage! So very helpful and we had lots of challenges to overcome. Very informative, great communication, and just a nice individual!! His staff was excellent as well. We are very grateful!!

Yolanda A.

Joe took the time to provide us with the information we needed. He is such a nice guy. We received the best rate. I originally had my mind set on a certain lender but after speaking with Joe I was just hoping he could offer us the best rate. Kindness goes a long way and he is a perfect example of that. Joe was quick to respond as well. I highly recommend considering Capital Mortgage 

Winston E.

Joe was very resourceful and knowledgeable throughout the loan process. I told Joe what rates I had that he needed to beat and he did just that. I would highly recommend Joe Wargo to anyone who is looking for a loan

officer who knows his business.

Yogesh K.

First Thing First - Joe is a wonderful person and very patient personality! If You are first time home buyer then Joe is a mentor, he helped me understand the process and mortgage impacts by bonds and markets. If you are thinking it was a marketing tactic, then you are wrong! He was upfront aware that I am working with couple of other mortgage companies and very lucrative offers from builder himself! He never ever pushed me to take a decision and was very prompt on my queries and question OR any re-quotes( several to say). Also, on the closing day he was very professional and ethical on closing the deal as promised still there was a glitch from financing company. I would highly recommend Joe and his company for all my friends and relatives irrespective of you are first time buyer or 10th time buyer!!! It was wonderful experience working with Joe!


Ellen H.

Joe was GREAT!!! It was not easy working with the VA. Joe [was] there every step of the way and worked hard to ensure my loan was complete on time.

Kelley B.

We were recommended to Joe by a friend and we are so incredibly thankful for that recommendation! As first time home buyers, we were initially very overwhelmed and intimidated by the entire mortgage loan process. Throughout the entire process, Joe was wonderful in educating us on each phase of the process and explaining all of our options in easy to understand layman’s terms. Not only did Joe help us secure the most competitive offer available, but he was also incredibly attentive and responsive- in fact, we received the ‘clear to close’ almost 2 weeks in advance of our scheduled closing- I credit that largely to Joe’s strong engagement and helping keep us on schedule. Lastly, Joe went the extra mile and attended closing, which from what our realtor explains, is incredibly rare for a mortgage broker to do. This just further speaks to Joe’s dedication to his clients and willingness to go the extra mile to ensure a positive experience from start to finish. Joe truly acted as our trusted advisor and we would highly recommend him to friends, family, and anyone seeking a reputable and dedicated mortgage consultant.

Ellen B.

I worked with Joe several years ago on a refi. Had a great experience and thought of him immediately when we decided to sell our house.

Clayton P.

I was a first time home buyer and Joe made it a seamless process. He was attentive, preemptive, and helped me understand exactly what to expect from underwriting/closing so there were no surprises. I highly recommend working with them.

Joy M.

Joe is so patient and is great at explaining the details to make getting a loan so much easier than appears. I would recommend anyone needing to purchase a home, contact Joe and [Sylvia] (his assistant) to make the deal happen.

Dale and Heather A.

We worked with Joe for over a year before we were to find our dream home. When the time came to execute, Joe

was on top of everything and the transaction went seamlessly.


Georgia L.

Alyson helped me purchase a home in August 2018. She was very attentive and held my hand through the entire process. She repeatedly explained every minute detail that I was understanding to ensure that I was confident and knowledgeable in making the right first time home purchase. Thank you, Alyson.

Mussies B.

Let me just say nothing can go wrong if you are working with Alyson. She closed a loan which was so complicated and many loan agents tried and failed. In this kind of process you need someone very professional and knowledgeable. If Alyson is your loan agent you couldn't ask for more.

I am a kind of guy who wants to be updated every step of the way and Alyson managed to do that. She doesn't get tired explaining the process to you. If she knows the loan process is not going to go through Alyson will tell you upfront and don't waste your time.

So if you are looking for a loan officer I would definitely 100% recommend ALYSON E FOY!!!

Depre F.

Very productive, helpful, and understanding. Being a first time homebuyer the process was a joy to go threw. And actually had a follow up to make sure everything was still ok BEST..

Harmony H.

Alyson helped us to accomplish what we thought was the impossible after being turned down by various banks for our first home loan. She was a pleasure to work with, and truly went above and beyond in helping us achieve the purchase of our first new home. We highly recommend her.

Tanya S.

We have worked with Allison on several property purchases in GA and we could not be happier with her customer service ability. We aren't always the easiest customer to deal with, however Alyson is always pleasant and willing to assist. We recently were transacting to make a purchase in Colorado with another lender until we ran into problems. We immediately thought of Alyson and called her and she came to the rescue with her Colorado team. We should've gone with her in the first place.


Yvette M.

 Joe is simply the best! Very professional and knowledgeable, attentive to detail,
and he and his staff provide unparalleled service! It's why we keep going back, and have
recommended him to our family.

We have used Joe and his services several times and have always been impressed with the level of service. He has helped with the purchase and refinancing of
several properties. Always available to ask questions and walk us through the process. 

Reneese F.

This was the second time that I worked Joe Wargo. He helped me purchase my
home home originally and then helped me refinance my home. Joe was awesome to
work with the first time and just as incredible the second. He and his staff made each
process simple and easy to navigate, he was always available to answer questions and
the entire process was painless. I highly recommend Joe and Summerfield Mortgage.
Refinancing my home with Joe went extremely well, I was kept up to date with everything
and Joe and Sylvia were always there for me when I had questions or just wanted an update. 

Kayla S.

Joe and Sylvia were both extremely nice and helpful throughout the whole process. They made what can be a confusing and stressful process very easy! I will definitely do any other loans through them. 

Rhonda Z.

The Summerfield team, Joe and Sylvia, was very attentive to my needs and circumstances and paid very close attention to details when working with me. They made my home buying/mortgage shopping experience a breeze and completely took away any anxiety I had in the process. I would highly recommend their using services when shopping for a mortgage. 

Legacy Properties Associates

Joe W. came highly recommended and is a top notch pro! He has been very helpful and always returns our calls promptly. He takes the time to explain financing details. 

Barbara T.

They made my experience easy.  Alyson and Louis were wonderful from the beginning to the end.  Close on my closing date, and I would highly recommend using them. 


Sarah L.

I purchased my first home in May of 2018 through Joe and his assistant Silvia and had a wonderful first time home buying experience! Joe is educational, honest, responsive, and easy to work with. Purchasing my home was simple. He worked hard to get me the best rate possible and educated me on how mortgage rates change. Joe was present when I signed my paperwork for the house and even after the purchase he has been available to answer my questions. I am leaving this review almost 4 months after my experience and I can say that I would hands down choose Joe again every time!!! 

Ida R.

Joe and his assistant's help was greatly appreciated during a lengthy search for a house. We had to put in offers on 5 houses and he was patient and stuck with us until we purchased our current house. He also kept us updated during the process and got us an excellent interest rate! 

Adam N.

We had a great experience with the Summerfield team from start to finish. They are knowledgeable, communicative, and professional, I highly recommend. 

Joshua W.

Very easy to work with and got my mortgage approved quickly with a good rate. Alyson is a pleasure to work with!