About Joseph Spears
I believe that every homeowner should enjoy debt-free home ownership, at the very minimal be given the opportunity to be in control of their finances. It is my professional belief that home owners should have a clear understanding the financing on their investment and how it plays a role in their finances without sacrificing in other areas of their future. For many, personal finances are very emotional and can be very intimidating. Taking time to get to know the client accompanied by an in-depth look at the client's whole financial picture it allows me to provide a financial assessment. I take time to ask the right in-depth questions about my customers past habits, current position and their observation of what they feel they need to change. Then I prescribe winning strategies catered to them utilizing tools to help the client get on track with their finances.
I entered into the financial services industry in February 2006 as a Mortgage Banker after owning my own business. I was amazed how important of a role I played in people's lives and how little changes really changed the trajectory of their future. I enjoyed teaching them what I knew about personal finances and how I can help them.
While working in the financial services industry, I have gained experience in many facets of finance, holding positions in mortgage loan origination, personal finances, budgeting, credit counseling, credit repair and as consumer debt negotiator. My past experience helps me remain focused on delivering excellent client service while providing sound financial advice, executing premium mortgage loan products and top tier service for my clients. I take pride in my level of service which is apparent in online searches and reviews. When you have the opportunity to show a family how to succeed financially your trust remains in the family for life.
I was born in Cleveland and raised in a suburb of Detroit, Michigan, where I learned about work ethic and delivering proven results for my clients and referral partners. I moved to Arizona in 2007, where I met my significant other, fellow loan officer and business partner Jennifer. We intend to grow our family, but currently we have 3 cats and a wonderful dog named Lulu and reside in Chandler, Arizona. We both lived according to Dave Ramsey's debt principals prior to starting at Churchill Mortgage and enjoy sharing what we have learned with others.
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