Services
Applying for a Home Loan?
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?
Loan Products & Programs
We specialize in all things home loan! Being based in beautiful San Diego and having a passion for serving those who have served for us, we specialize in the VA home loan! The VA home loan is single-handily the best benefit available to our active duty and retired military personnel and family's.
- VA Loans
- Fannie Mae
- Freddie Mac
- Fixed & ARMs
- FHA Loans
About The Joy in Lending
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.
Where Are We Licensed?
California
Idaho
