I had this man help me about 13 years ago. He is no more than a preditory lender who takes advatage of the people he acts as if he is going to help. It was not 500.00 for me it was a house that I completely rebuilt and once I invited him to see what I done to it he came after me as fast as he could to make sure it became his again. Please beware of Joe Roseberry, he is nothing more than a preditor. The house is now selling for 195, 000 and I paid 56, 000 for it. I just want someone to post this so he cannot take advantage of another person like he did to me. If I can help just one person stear clear from him it will make me happy.