Call: (949) 533-5504 | Email:
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Joyce Smith

Recognized 6 years in a row as one of Orange County’s Top Mortgage Professionals by Orange Coast Magazine


Joyce Smith is a licensed mortgage professional helping borrowers find the best home loan.

Finance Center

Providing borrowers a full range of loan products, rates & terms for buying or refinancing a home.


Pre-Qualiying for a mortgage helps borrowers determine what loan amount they can afford.

Thinking of Refinancing or Buying a Home?

Check out our loan types to see what would best fit your Mortgage Loan needs.

See Available Loan Types Now!

Mortgage Solutions

Mortgage Solutions that are tailored specifically to meet borrowers mortgage needs.


Thinking of buying a new home? Whether you are a 1st Time Homebuyer or a seasoned Real Estate investor, Joyce is ready to help borrowers obtain a loan at the best rate & terms.

First Time Home Buyer

Offering lower down payment mortgage programs that will make it easier for first-time home buyers to qualify for a mortgage.


Contact Joyce to analyze your present loan to see if it is a good time to Refinance.



FHA Loans

FHA loans are insured by the Federal Housing Administration, they are easier

to qualify for, the most flexible loan and requires less than 5% down payment.

VA Loans

VA Loans are federally guaranteed home loans with no down payment, designed to provide housing assistance for veterans and their families.

Downpayment Assistance

Down Payment Assistance Programs provide loans for assistance with down payment and closing costs for qualified home buyers with low-moderate incomes.

Joyce Smith

When you work with Joyce, you will receive the best value, service and loan product for your specific needs.When you work with Joyce, you will receive the best value, service and loan product for your specific needs.

Joyce Smith
Loan Consultant
Legacy Home Loans
Cell:  (949) 533-5504
Fax:  (949) 284-0221
25950 Acero, Suite 210
Mission Viejo, CA 92691
NMLS # 258701
BRE # 00590931
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Pre-Qualify For A Home Loan

Whether you are a First Time Home Buyer, Refinancing a Home or a Seasoned Investor,
Pre-Qualify for a New Home Loan to find out what you qualify for.

Start Qualifying Now...