About US

Ox Publishing

About Ox Publishing:

Ox Publishing is committed to bringing you the best value possible on products that we feel will improve your life.  To keep the your costs to a minimum, all of our products are virtual in nature.  This means that all of the products you will get from us are either E-books, Software, or online services.

About the Founder, Joel S. Pate:

Joel S. Pate, founder of Ox Publishing, Vadium Group, Profitable Marketing Assistant, and American Family Funds, is a dedicated entrepreneur. Joel has spent more than two decades in the mortgage and real estate industries, and has proven the ability to consistently generate double, and often, triple digit growth for those he works with.

Early in his career, Joel gained experience in the real estate and construction industry with Miranda Development, Inc., a highly recognized homebuilder in Alabama. For more than fifteen years, he oversaw the construction and sale of over 500 homes.

He has been a licensed Alabama Real Estate Broker since 1991 and an Alabama Real Estate Agent since 1985. Since that time, Pate has been involved in over $450 Million Dollars in construction loans and over $1.3 Billion Dollars of residential lending.

In late 1999, Joel was introduced to non-profit assistance programs that provided the down payment for home buyers. He founded American Family Funds, Down Payment Gift Program in 2001. In addition, Joel helped to form the industries trade association, the Homeownership Alliance of Non-Profit Down payment Providers (HAND). Consequently he served a term as HAND's first elected Chairman. Since inception, American Family Funds has helped over 68,000 families purchase a home, by providing Down Payment Assistance.

In 2005, Joel founded the Vadium Group a division of National Mortgage Advisors, LLC, that provides corporate business development to lenders, and Profitable Marketing Assistant, a cutting-edge system enabling businesses in virtually any industry to seamlessly manage prospect follow-up and customer retention.

Since early 2006, Joel has been featured as the CP LOAN EXPERT, a weekly column for BrokerUniverse. In his column, Joel provides straightforward, unbiased advice about every aspect of Construction Permanent Lending.

In 2006, Joel was selected as part of the NRCC's Business Advisory Council.

This council was formed to involve the country's top business leaders in the process of government reform.

Joel currently resides in Mobile, Alabama with his wife of 25 years, Mitzi Pate. They have two daughters.