Joe, a 20-year veteran of the mortgage industry, joined MBS Quoteline in September 2005.

Prior to joining MBS Quoteline, Joe was President and CEO of one of the nation’s top-50 mortgage banking companies, Guaranty Residential Lending, Inc.

At Guaranty, Joe managed a nationwide network of retail, wholesale, and correspondent lending branches, originating billions of dollars in loans annually. There Joe emphasized the benefits of continually improving the tools and information available to his sales agents to help them stand above the competition and to become more professional originators.

In addition, having been responsible for Guaranty’s secondary marketing functions, Joe brings to MBS Quoteline an in-depth understanding of mortgage investors’ policies as to price setting and re-pricing as well as understanding an originator’s need for up to the minute market information.

Throughout his career Joe has held leadership positions within the industry, actively participating in both the state and national trade associations. He served as President of the Texas Mortgage Bankers Association from May 2004 to May 2005. Joe graduated from Southwestern University with a degree in accounting.

Specialties: Mortgage rate and MBS price analysis, mortgage industry regulatory and legislative changes, mortgage company strategies