We Bring Joy to the Home Buying Process

Before you start applying for home loans, you should consider these questions that deal specifically with your family, work, and life goals:

• What are your short and long term goals with regards to family, work, and other life pursuits?
• When does buying a home fit within those goals?
• If buying a home meets your goals, how much time do you have before you want to purchase?
• Do you have available funds that you can use as a down payment?
• How much home can you reasonably afford without overextending your debt?

Starting his professional mortgage career as a processing assistant gave Tim Joy the humble approach to the customer service and attention to detail needed to set the footing to become a great loan officer. Tim’s favorite things are laughter, growth, sports, nature, family, and his beautiful wife, Amelia. Tim plans to work towards creating a self-sustaining community in California, while continuing to help his family and friends with all their home financing needs. 

Our mission is to make the dream of home ownership a reality for every customer, every day.