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Joyce Smith

Joyce has been a licensed mortgage professional since 1982.  With experiencing so many different changes and cycles in the lending business, she brings to her clients a tremendous amount of knowledge.  She understands her clients needs and advises them accordingly.  Joyce has been recognized 6 years in a row as one of Orange County’s Top Mortgage Professionals by Orange Coast Magazine.

Joyce is a VA Certified Specialist, proudly assisting veterans and service personnel eligible for VA financing to obtain home ownership.

Joyce Smith & Legacy Home Loans

Located in Mission Viejo, California, you can count on Legacy Home Loans to provide honest & ethical mortgage services in every aspect of the loan process. We keep customers well-informed and provide exceptional value. Contact Joyce Smith today – our goal is to save you time & money.

We pride ourselves in offering the highest level of customer service in the industry, and appreciate the opportunity to earn your business. Whether you are looking to refinance for a lower mortgage interest rate, get a new home mortgage, home equity loan or second mortgage, our only goal is to satisfy your needs and put you into a loan that fits your needs and situation. By putting you first, we assure you a simple, worry free transaction.