Joe Nemec is your premier reverse mortgage professional, located in Sacramento, California. Joe is committed to quality customer service and putting the needs of the people first. Joe will always adhere to the highest degree of integrity in all business dealings. When it comes to Reverse Mortgages, education is the key. Joe’s pledge to you, is to complete the education process, so you are able to make an informed decision. Joe always encourages prospective clients to invite family members to be a part of the discussion during the education process.