Joel S. Pate, Founder & Chairman, Ox Publishing

According to most, Joel Pate is a financial engineer who cobbles together or creates products and services in the financial space and turns them into marketable products. He doesn’t try to re-invent the wheel. He takes proven methods and tries them in his own business. Most of the time they work  thanks to an unrelenting drive to succeed.

His latest venture is the creation of Ox Publishing (www.OxPublishing.com), which provides products for consumers to purchase and provides consumers with lines of credit.

Prior to that, he founded and built American Family Funds, a leading and highly respected provider or down payment assistance to first-time home buyers providing more than $3.6 Billion in direct financial investments.