The Joy of Lending

We Bring Joy to the Home Buying Process




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. 

Lets have a conversation

Where Are We Licensed?