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Joyce Joy

Your Best Interest at Heart


Buying a house is an emotional process, from choosing a house to actually moving in and calling it home! You will be making many important decisions, but one of the most important decisions you will have to make is how you will finance the purchase of your new home. This is because, for most of us, our home is our most significant investment. Obtaining a loan is more than just a financial decision for the day you buy your house, it impacts your financial future as well as your future emotional well-being.

As an experienced loan officer, I begin by listening to your needs and your wishes so I may provide you with the options that are best suited for you. I present you with clear choices, based on honest and reliable information. And how do I do this? I have earned degrees in the sciences from Oregon State University and, more recently, accreditation as an Enrolled Agent through the IRS to better serve my mortgage clients by offering them guidance with respect to the tax nuances of home loans. These accomplishments demonstrate that I am detail-oriented and results-driven.

But my credentials are just the beginning – I believe that excellent customer service means not just timely delivery of the product, but also being responsiveness, dedicated and available to my clients. I am very much a people person – I love helping people – and this shows in my many charitable and social activities in my community. I would love to help you and guide you through the home loan process!

“Joyce Joy was referred to me when I was considering refinancing my home mortgage from a FHA loan to a conventional loan. I could not be happier with her service and cannot imagine going through the process with anyone other than Joyce. She was personable and professional and explained every step with knowledge and experience. She has excellent communication skills and has been a pleasure to work with.” – Jac, February 2016

“Joyce was excellent every step of the way. Communication, responsiveness, and execution. Joyce made the process easy and enjoyable. I couldn't imagine a better person to work with! It was a pleasure!” – Steve, January 2016

“I went to Joyce not knowing the first thing about buying a new home and she was very patient and helpful with explaining the process and going through all my options to find what worked best for me. I couldn't have been happier with the way things went.” – Travis, November 2015

“I worked with Joyce Joy on obtaining financing on the home we purchased. Joyce made t

3161 Cameron Park Dr. #108,
Cameron Park, CA 95682
Phone: 530-672-0106
Fax: Cell: 530-409-0574


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