After graduating from Lafayette College and then obtaining an MBA from the Wharton School in 1982, Michael Joseph began his career in real estate as a lender for Continental Illinois National Bank. Two years later, he moved into commercial mortgage brokering and spent the subsequent nineteen years working with a variety of firms, arranging billions of dollars of construction loans, permanent loans, and joint ventures. He also became a private money lender for his own account, an activity he has successfully undertaken for the past twenty-five years.
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