Joyce Smith is a licensed mortgage professional helping borrowers find the best home loan.
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 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.
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 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 are federally guaranteed home loans with no down payment, designed to provide housing assistance for veterans and their families.
Down Payment Assistance Programs provide loans for assistance with down payment and closing costs for qualified home buyers with low-moderate incomes.
I have used Joyce for 2 of our 3 mortgages. The first mortgage we did through a bank and was a terrible experience. After working with Joyce on our Dana Point home and having such a great experience she then helped us with our new home financing,
I have recommended her to some of my friends & colleagues. I clearly think the world of Joyce, plus she really helps to just get things done
Just wanted to let you know what a pleasure it was to work with you.
I love running into professionals that are great at what they do. Thank you for making this a smooth transaction for us.
I will keep your contact info and recommend you to others with financial needs.
Thank you for making my recent mortgage refinance process such a “pleasure” and “enjoyable” experience. In today’s world of banking and finance disarray, those are two adjectives you don’t see very often, but you managed to bring them to the forefront.
Having been in the real estate business for over 32 years, I recognize the “pleasure” component was a direct result of your experience and the level of professionalism you put forth. The “enjoyable” element is a bit selfish on my part but the reality is I am now saving $198.00 per month on my mortgage payment thanks to your added efforts.