Hi, I’m Joy, serving as a loan officer at our Mullica Hill, NJ branch with America’s #1 Retail Mortgage Lender. During my more than 19 years in the mortgage industry, I’ve helped thousands of homeowners across the country purchase and refinance their homes. My business is built on knowledge, experience, and communication. I attribute my success to core values of honesty, integrity, exceeding expectations, and teamwork.

When you work with my team and me, your mortgage needs will be met with a listening ear and a complete understanding of your specific circumstances. Whether you’re a first-time homebuyer or an experienced homeowner, we’ll explore the right loan options together—from conventional and jumbo to FHA, VA, renovation, and refinance programs.

I look forward to making your mortgage experience pleasant and memorable through outstanding communication and service. On a personal note, I’m married with two children and graduated from Rowan University in Glassboro, New Jersey, with a B.A. in Communications.