About Michael Joy
VISION STATEMENT: I employ a big picture approach to the real estate financing choices of my clientele, meaning I take the time to listen and understand a client’s entire financial situation vs. simply quoting rates and fees. I pride myself on taking the time to discuss life goals/desires and designing financing solutions that will best accomplish said goals. I define success by the relationships that are built from my efforts and by being considered a trusted lifelong adviser for my borrowers and referral partners.
PROFESSIONAL EXPERIENCE – 24 years working in real estate finance. Certified Mortgage Planning Specialist (CMPS), Certified Reverse Mortgage Planner.
Specialties: Licensed to originate in six states: WA, OR, CA, AZ, ID and CO. All types of residential mortgage loans: Conventional, FHA, VA, USDA, Jumbo, Section 184 Tribal Loans, Reverse Mortgages for purchase and refinance, Zero down loan programs (WA State Bond), and Rehab (Conv and FHA) loans.
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